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In general, the banking sector is healthier. While some banks are struggling, a lot of lenders have witnessed improvements in operations. The following outstanding banks are chosen as determined by eight measures on financial health including net interest margin, return on average equity, nonperforming loans, and reserves being a number of NPLs. Finally, the regulatory layer began to conduct financial management of the Internet platform, intending to return money funds to the source of low risk, low yield and high liquidity. Plan form, it is to point to in words and index within the organization of the form of expression and organization of different departments and different members of a certain period of time in the future about the management of the direction, content and way to arrange. There are also time factors. "As the market develops, we have the opportunity to sell our 3D XPoint to partner Intel." Xpoint fills the cost and cost gap between high speed and high cost DRAM and low cost NAND. Does this technology engulf DRAM and NAND markets? Customers who purchase a large number of Xpoint chip/drives may purchase fewer DRAM chips and NAND chips/drives. After all, with tighter regulation and tight capital, high interest rates and high limits mean high risk, but investors should also be careful not to put money in one basket. Independence is more difficult in an age when cross-border spillovers of national monetary policy become powerful. These spillover effects make central Banks consider the impact of their policies on foreign and global systems. But it is difficult to pursue global goals when the central bank operates under the narrow, centralized mandate of its independence, and is close to impossible.