Marketing, because the bank's agency funds have to be deducted from the handling fee, which is the intermediary business income of the bank. It's not that the fund's task can't be completed, it's just a way to increase the income of intermediary business, and the profitability of the fund may be better than other ways such as insurance.

Staff can buy it themselves or through marketing customers. All the same. It's just an indicator.

You don't need other people's approval to buy a fund ~