1. operational problems: banks may suffer serious losses in the course of operation, which may be caused by too many non-performing assets, out-of-control credit risks and high operating costs. When the bank's losses reach a certain level, it may face the risk of bankruptcy.
2. Regulatory pressure: Banking regulators have strict requirements on banks' operating conditions and risk management. If Jining Bank has serious problems in risk management and internal control, it may be punished by the regulatory authorities or even ordered to suspend business for rectification.
3. Market competition: The competition in the banking industry is fierce, and Jining Bank may face competitive pressure from other banks. If banks can't effectively cope with market competition, they may lose market share, leading to operational difficulties.
4. Decline in customer trust: The survival and development of banks cannot be separated from the trust and support of customers. If there are problems in the service quality and reputation of Jining Bank, it may lead to a decline in customer trust, which will further affect its business development.