First of all, banks pursue security, not only for themselves, but more importantly, we use customers' deposit funds to lend, so we are responsible for deposits, so this kind of security is particularly particular. There is no doubt that state-owned enterprises are safe and will not close down easily, so they can boldly lend to state-owned enterprises, even when it is clear that the loan has been put down. Why? Because it won't go bankrupt. Many people say that state-owned enterprises are inefficient. I said, it won't lose my money, but the interest will still be given to me. This is what I'm after. I don't pursue its efficiency. I pursue my efficiency. My efficiency is that the principal and interest can be received and the state-owned enterprises can meet my requirements. That's right.