The competitiveness of Minsheng Bank lies in: private mechanism, enjoying the monopoly interests of state-owned banks, the monopoly interests of state-owned banks to the state, and the monopoly interests of private banks to shareholders. In the future, the banking market will be liberalized and will grow up, which will have advantages for backward private banks. As long as we don't make big mistakes, Minsheng Bank will develop very well.

1. The microfinance and community finance of Minsheng Bank focus on the general direction of development. The real core competitiveness of Xingye is forward-looking thinking and innovative ability, as well as the development direction of asset allocation.

2. Minsheng Bank respects the board structure. As the only private bank, its shares are scattered and balanced with each other.

3. Xingye's business is flexible and well-organized, and its business advantages lie in its banking platform and capital market business.