The reason is that the capital market is not peaceful. According to the relevant public information, in June+February, 5438, the capital market was not peaceful, and the securities fund market suffered losses. However, the credit bank's net wealth management itself earned little and the income was unstable, which led to the net loss of the credit bank. Yin Xin Finance is a wholly-owned financial subsidiary of CITIC Bank with a registered capital of 5 billion yuan. It is the first financial subsidiary of joint-stock banks in China to settle in Shanghai.