The integrated, two-wing pattern of finance is oriented towards the company's current strategy of integrating two wings. “One” is a type of finance, including financing services such as pawnbroking, leasing, and guarantees. Income is mainly based on interest, and there is also some commission income. The above three items can be developed collaboratively. Pawnbroking mainly solves short-term financing problems for small and medium-sized enterprises; guarantees solve loan difficulties; leasing can solve fixed asset financing difficulties; and the three types of business can basically meet most of the financing needs of small and medium-sized enterprises in terms of time. The company expects to build a complete financial financing chain and play a synergistic role in business structure, customer resources, risk mitigation, and talent development. Steady risk control is a top priority. We are optimistic about the development position and growth potential of corporate financial services, and we agree very much with the company's cautious attitude in risk control. Although some immediate benefits may be sacrificed in this way, running a century-old store is not something that happens overnight; a prudent or even slightly conservative business style may go further and better. The company still needs to be further strengthened in terms of business coordination, risk control system, and management efficiency. At the same time, the current economic situation is not very stable, and the current scale and ability to withstand risks are not sufficient to guarantee the stability of its income. Therefore, our income projections are not optimistic, mainly reflected in scale and yield, and asset impairment preparations are also conservative; however, based on the company's steady thinking and improving operating efficiency, we do not anticipate operating costs very harshly. A “neutral” rating was given for the first time. It is recommended that the EPS for 2010-2012 be 0.23 yuan, 0.26 yuan, and 0.31 yuan respectively. The valuation by business shows that its price has already enjoyed a certain market premium, so it is recommended to start paying attention and give it a “neutral” rating for the first time.