Why does loose monetary policy lead to an increase in the capital cost of credit asset wealth management products?

In the case of limiting the credit scale, banks are short of funds, and the money they can provide loans is limited, while the demand for loans is high. At this time, banks have a high premium ability, that is, they can appropriately raise the statutory loan interest rate.

Now the monetary policy is relaxed, the loanable funds has increased, the benchmark interest rate has been lowered many times, and banks have no premium ability or have been greatly weakened.

In fact, credit wealth management products focus on investors' funds for loans. If the loan market is relaxed, the cost of capital will certainly increase, because such wealth management products can only be bought by people and earned by banks. Now banks may face losses in doing so.

Supplement:

It must have something to do with it, because the relaxation of monetary policy has led to a decrease in market interest rates, and it is not cost-effective for banks to do this again.