1. Intensified market competition: In recent years, with the rapid growth of foreign trade and investment in China, the competition among banks is also intensifying. Other banks are also actively expanding their foreign exchange settlement and sale business, which will have a certain impact on the market share of individual foreign exchange settlement and sale of Bank of China Yuncheng Branch.

2. Changes in foreign exchange policies and regulatory policies: China's foreign exchange policies and regulatory policies often change, such as exchange rate fluctuations and cross-border capital flow control, which will affect the demand and market share of individual foreign exchange settlement and sale business.