This is a normal phenomenon. When purchasing wealth management products, banks must explain to customers that a certain product has guaranteed capital and interest, a certain product has guaranteed capital and interest, and a certain product does not. Customers decide which to buy according to their own economic situation and risk tolerance. The principle is that risk and return are proportional within a certain range. Customers should think for themselves, have the awareness and psychological preparation to prevent risks, and dare to face the return on investment of different targets. Before purchasing wealth management products, you should sign a letter of commitment and agree to take risks. Bank financing means that banks hand over the funds deposited by customers to fund companies, and fund companies invest in them. There are gains and losses in investment and risks. When a bank purchases a wealth management product, it must explain to its customers that a certain product will protect its capital and interest, a certain product will protect its capital and interest, and a certain product will not protect its capital and interest. Customers decide which to buy according to their own economic situation and risk tolerance. The principle is that risk and return are proportional within a certain range. Customers should think for themselves, have the awareness and psychological preparation to prevent risks, and dare to face the return on investment of different targets.