1. There is no conflict between loans and financial management? Buying a house with a loan is a shortcut for most people to buy a house. It may be a lifelong wish to buy a house in full. In real life, wealth management products are purchased for individuals with spare money, and loans are borrowed from banks because of insufficient money. Loans to buy a house do not conflict with each other and are not necessary conditions for each other.
Second, banks cannot force customers to buy wealth management products. Wealth management products do have their own benefits, but as a bank, they cannot ask the other party to buy their own wealth management products. Loans are your own responsibility, and wealth management products are also the freedom of the other party to buy and sell. You can't ask the other party to buy wealth management products in a threatening way, which is not in line with bank regulations. For many people, banking is a fair, serious and service-oriented industry, and there can be no bullying.
Third, buying and selling is personal freedom. In daily life, no matter what products you buy, customers must do it voluntarily. If banks require individuals to buy wealth management products, they will be punished, which violates the relevant regulations of the market and is even more irrational. You can't lose big because of small.
Banks are trusted institutions, and we can't live up to their trust. Dealing with business is everyone's daily need. As a bank, it should be serious and responsible, and cannot force the other party to buy its own wealth management products, which is against the regulations. Buying a house with a loan is obviously a very happy thing. Don't make it difficult for more people to buy a house. This is a situation that no one wants to see.