Although bank financing sometimes breaks in a large area, on the one hand, this kind of thing does not happen frequently, only once every n years. Secondly, the R2-level bank wealth management, even if there is a staged loss, because interest-bearing debt assets are the main investors, with the passage of time, the net value will gradually pick up. As long as you can hold it for a long time and don't cut the meat when you lose money, you can still make money again in the end.