① logically refers to Jinqiao information, the company arranges the business of "AI collection + intelligent financial reporting + data modeling", has the first market share in many banking segments, frequently wins tens of millions of orders, and works with Tongxin software to create an one-stop mathematical intelligence portal platform solution. The balance of non-performing loans in ② has exceeded 3 trillion yuan in 2023, and the company has taken the lead in launching an artificial intelligence collection platform, which can be directly used in front-end business through AI, which is expected to become a new bright spot in performance growth.