Currently, the mediation centers established by Guangfa Credit Card are only in the five major cities of Beijing, Shanghai, Guangzhou, Zhuhai and Wenzhou. Studios and mediation organizations are neutral and authoritative organizations recognized by the Bureau of Justice and the courts. A special team has been set up within the Guangfa Bank Credit Card Center to connect with these organizations and establish an internal mediation center to handle accounting disputes and collections. For clients who have disputes and other issues and are willing to mediate, the mediation studio or mediation organization will issue a legally binding mediation agreement. The mediation agreement can apply for judicial confirmation and be given judicial force.