1. Banks need to assess customers' risks when they help to combat organized crimes of underworld nature. However, at present, the risk assessment mechanism of banks is not perfect enough to accurately identify customers suspected of organized crime of underworld nature.

2. Banks need to be supervised by regulators when they help to crack down on organized crimes of underworld nature. However, at present, the supervision mechanism is not perfect and the supervision is not strong enough, so it is difficult to effectively prevent organized crimes of underworld nature.