Relatively few services and insufficient risk control.

1. Relatively few service items. As a local commercial bank, Dongguan Rural Commercial Bank’s service items and scope may be relatively limited. Therefore, for customers who require a large number of financial services, Dongguan Rural Commercial Bank

services may not be able to meet demand.

2. Inadequate risk control. As a local commercial bank, Dongguan Rural Commercial Bank may have deficiencies in risk control.

For example, in terms of loan approval and credit evaluation, insufficient risk control results in poor asset quality.