On April 20, 2020, affected by the US WIT crude oil futures contract plummeting to negative value in May, China Bank's crude oil products also suffered huge losses. According to the rules of crude oil treasure contract, at 22: 00 on April 20, China Bank tried to move its position, but China Bank failed to move its position that day, which caused crude oil treasure to break through its position.

After the "Crude Oil Treasure Incident", some banks have adjusted the risk level description of wealth management products. At present, the Bank of Communications has issued an announcement to adjust the name and expression of personal product risk level and the expression of personal risk tolerance level. After the adjustment, the risk and volatility of products are emphasized more, and the description of principal repayment is stricter.