The reasons are that their strength is weak and credit degree is low, social financial environment is not good such as bank loans, financial intermediaries, etc.

企业实力薄弱，信用等级低；银行贷款、金融中介机构等社会金融环境不好；

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Malabar does no advertising and sells its funds largely through financial intermediaries, such as private banks or bank trust departments.

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So what we've said is let's make all these direct loans, as opposed to having bank intermediaries or -- and not just banks -- financial services organizations.

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