| United States Federal Financial Institutions Regulatory Commission | China Banking Regulatory Commission | Moody’s | Standard & Poor’s | Dagong International | In the integrity |
1 | Capital adequacy | Capital adequacy | Capital adequacy | Capital adequacy | Capital adequacy | Financial factors |
2 | Asset quality | Asset security | Asset quality | Credit Risk and Management | Asset quality | Risk management |
3 | Management | Management | Company structure | Company structure | Company structure | ― |
4 | Profit level | Profit level | Profit level | Profit level | Profit level | ― |
5 | Fluidity | Fluidity | Fluidity | Fluidity | Fluidity | ― |
6 | Social sensitivity | Social sensitivity | Macro situation | Macroeconomic and Industry risk | Operating environment | External environment |
7 | ― | ― | Regulatory environment | Market risk and its management | Operating value | Operational factors |
8 | ― | ― | ― | Management and its strategy | ― | ― |