If the loan service provided by the Agricultural Bank needs to purchase insurance, the bank may refuse to buy it if it is bundled and sold. If the bank forces the lender to buy insurance, it can complain to the China Banking Regulatory Commission or the administrative department. But if it is a mortgage, the bank will let the lender sign credit insurance, which is equivalent to reducing the risk of the bank. This is mainly based on the agreement between the two parties and cannot be forced to buy.