See what you plan to do in the future. Personally, I think Shanghai Finance and Economics is better, because the University of Macau is not as good as most people think. It is not only inferior to the University of Hong Kong, the Hong Kong University of Science and Technology and the Chinese University of Hong Kong, but also inferior to many domestic schools. From campus to specialty to teaching level, Shanghai Finance and Economics ranks among the top in mainland finance and economics. Moreover, Shanghai International City is far more developed than Macao, although Macao is a special administrative region.
340 thousand shouldn't come down (regardless of scholarship)