No. China CITIC Bank Credit Card Center is not a state-owned enterprise. It is a first-level department of China CITIC Bank Head Office and the national headquarters of China CITIC Bank’s credit card business. The Chongqing branch is not a state-owned enterprise. CITIC Bank Credit Card Center is a business department established by China CITIC Bank Head Office in Chongqing to manage and operate credit card business in a unified manner. Its business scope covers credit card issuance business, handling domestic and foreign currency loans under credit cards, settlement, foreign exchange settlement, and acting as an agent for foreign financial institutions. Card issuance, etc.