Bank loans and bank financing are two different things.

A bank loan is the money you get from the bank, and the amount of the loan varies according to your collateral and credit. Of course, the money borrowed from bank loans should be repaid in installments with interest.

Bank wealth management products are products that you buy at an interest rate higher than the current interest rate, which is actually equivalent to a current deposit, except that the bank will tell you that the income is unstable (in fact, it is generally stable, but in order to avoid risks, it will be said to be unstable). After the wealth management product expires, the bank will return the money to you with interest.

There is also what the people call "fund-raising", that is, you put money in a guarantee company, and someone will borrow money from the guarantee company if they are in urgent need. Of course, the interest is relatively high and the requirements are relatively simple. The guarantee company doesn't have that much money. After all, if there is no demand, it will lend the money you put in the guarantee company. And then make a difference in the guarantee company. Of course, the risk is higher and the relative return is higher. But I don't recommend you to do this ~ ~ ~ It's risky ~ ~ ~

I hope I can help you ~ ~ ~ Take it ~ ~ ~