1. Some internal operations or projects are handed over to a third party, and the independence of the third party makes it difficult for banks to communicate.

2. To a certain extent, it has caused the bank's de facto dependence, and whether the service is satisfactory or not requires the bank to pay the cost, which has certain potential risks.

3. Require banks to make corresponding adjustments in internal organization and personnel structure, which may lead to legal, operational and moral risks during the transition period of such adjustments.