If it is a bank, the scale of Xingye is much larger than that of Guangfa. Business varieties, domestic influence, profitability and Societe Generale are the top three in the joint-stock system, but Guangfa is not good. The treatment is also better than Guangfa.
If it's the credit card department, I personally suggest that it be widely distributed. Xingye's credit card is a soft spot, and Guangfa can compete with China Merchants at present.
Is it risky to increase leverage?