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| 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 | ― | ― |