Because the research and analysis of the competition in the market has not yet formed, Chinese banks are short of
research materials and experience of judgments, causing the lack of clearly targeted customers over the expansion of business. Thus, randomness is a critical feature of this business. As a consequence, when they intend to develop new customers’ relationships, they are often not ready to do it and even not clearly realize what the risks are, not even
mention how to effectively prevent, curb and resolve these risks. In the competition, we do not know whether it should be attributed to successful competition or intentional termination of some banks