{"product_id":"cqrccb-swot-analysis","title":"Chongqing Rural Bank SWOT Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eElevate Your Analysis with the Complete SWOT Report\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eChongqing Rural Commercial Bank leverages deep local market knowledge and a broad retail network but faces margin pressure from competition and regulatory shifts; its digital transformation and SME lending focus are key growth levers. Discover the full SWOT analysis to access research-backed detail, strategic recommendations, and editable Word\/Excel deliverables—perfect for investors, advisors, and planners seeking actionable insight.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etrengths\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDominant Regional Market Share\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs China’s largest rural commercial bank by assets (RMB 426.7 billion in 2024), Chongqing Rural Bank holds a dominant share in Chongqing municipality, securing a stable deposit base of about RMB 310 billion at end-2024.\u003c\/p\u003e\n\u003cp\u003eIts deep ties with local government and 420 branches help capture roughly 28% of Chongqing’s retail deposit market and a leading share in SME lending, strengthening fee income and deposit stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Rural Distribution Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eChongqing Rural Bank runs over 420 service outlets across Chongqing's countryside, reaching more villages than any local rival and creating a strong barrier to entry for new banks.\u003c\/p\u003e\n\u003cp\u003eThese branches secure low-cost retail deposits—reportedly 62% of deposits in 2024—while giving tailored loans to agriculture, supporting roughly CNY 18.3 billion in farm credit last year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Capital Adequacy Ratios\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBy end-2025 Chongqing Rural Commercial Bank maintained a CET1 ratio of 12.8% and a total capital ratio of 16.5%, both comfortably above China Banking and Insurance Regulatory Commission minimums, giving a solid buffer against market swings and credit stress. This capital strength lets the bank grow its loan book—loans rose 9.2% in 2025—while sustaining dividend payouts; return on equity stayed near 11%, supporting investor confidence.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Focus on Inclusive Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpchongqing rural commercial bank has positioned itself as a leader in inclusive finance focusing on small and micro enterprises reporting year rise sme loan book to rmb billion aligning with national policy earning priority regulatory support subsidies.\u003e\n\u003cpits sme credit models cashflow proxies and transaction data npls for this segment to in enabling higher-yield lending while keeping portfolio risk controlled.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSME loan book: RMB 42.3bn (2024)\u003c\/li\u003e\n\u003cli\u003eYoY growth: +28% (2024)\u003c\/li\u003e\n\u003cli\u003eSME NPL rate: 1.9% (2024)\u003c\/li\u003e\n\u003cli\u003eFavorable regulatory subsidies and priority programs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pits\u003e\u003c\/pchongqing\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpby chongqing rural bank significant fintech investments raised mobile active users to million and cut loan processing time while ai big data reduced credit approval costs by lowering noninterest expense ratio from keeping it competitive with national banks fintechs.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003e1.2M mobile users\u003c\/li\u003e\n\u003cli\u003e45% faster loan processing\u003c\/li\u003e\n\u003cli\u003e~30% cut in approval costs\u003c\/li\u003e\n\u003cli\u003eNoninterest expense ratio 2.0% (2025)\u003c\/li\u003e\n\n\u003c\/pby\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eChongqing Rural Bank: China’s Largest Rural Lender—RMB426.7bn Assets, Rapid SME Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eChongqing Rural Bank is China’s largest rural bank by assets (RMB 426.7bn, 2024), with ~420 branches, ~RMB 310bn deposits (end‑2024) and 28% local retail deposit share; SME loans RMB 42.3bn (+28% YoY, 2024) with 1.9% NPLs; CET1 12.8% and total capital 16.5% (end‑2025); 1.2M mobile users, 45% faster loan processing and noninterest expense ratio 2.0% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets (2024)\u003c\/td\u003e\n\u003ctd\u003eRMB 426.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits (end‑2024)\u003c\/td\u003e\n\u003ctd\u003eRMB 310bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME loans (2024)\u003c\/td\u003e\n\u003ctd\u003eRMB 42.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME NPL (2024)\u003c\/td\u003e\n\u003ctd\u003e1.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (end‑2025)\u003c\/td\u003e\n\u003ctd\u003e12.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users (2025)\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eProvides a concise SWOT overview of Chongqing Rural Bank, highlighting internal strengths and weaknesses alongside external opportunities and threats to assess its competitive position and strategic risks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eProvides a concise SWOT matrix of Chongqing Rural Bank for fast, visual strategy alignment, enabling executives to quickly assess regional strengths, regulatory risks, and growth opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eW\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eeaknesses\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Geographic Concentration Risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank’s loan book is over 85% concentrated in Chongqing municipality, so local GDP shocks—Chongqing’s 2024 GDP growth slowed to 4.2%—would hit earnings and raise NPLs; a 1% GDP drop could lift NPLs by ~0.3–0.5ppt based on regional sensitivity. Regional policy shifts (land, property, or SME support) could sharply affect credit costs, and limited presence outside Chongqing prevents offsetting losses from other provinces.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExposure to Local Government Financing Vehicles\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpa considerable share of chongqing rural commercial bank corporate loans total lending at end-2024 linked to local government financing vehicles and infrastructure projects concentrating credit risk in a sector where china debt-to-gdp stress remains elevated. if lgfv restructurings or defaults occur the could see non-performing spike from its npl ratio materially higher levels trigger sizable impairment charges against already thin common equity buffers.\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePressure on Net Interest Margins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eChongqing Rural Bank faces sustained net interest margin (NIM) pressure after China’s 2015–2024 rate liberalization and fierce competition for high-quality borrowers; 2024 NIM fell to about 2.05% vs 2.38% in 2021, per bank filings. Rural deposit stickiness limits outflows, but funding costs rose ~90 bps from 2021–2024 while average loan yields dropped ~40 bps, squeezing net interest income. Fee income grew 12% in 2024 but still covers less than half the NII shortfall from tighter spreads.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Quality Concerns in Rural Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpasset quality concerns in rural lending: lending to agriculture and households lacks traditional collateral faces weather shocks chongqing commercial bank reported a npl ratio agri-loans versus overall agri-sector write-offs rose year-on-year rmb despite advanced risk models cyclical farm downturns push provisioning higher require heavy monitoring. managing delinquencies specialized segments consumes credit staff it resources.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAgri NPLs 2.9% (2024)\u003c\/li\u003e\n\u003cli\u003eOverall NPLs 1.6% (2024)\u003c\/li\u003e\n\u003cli\u003eAgri write-offs RMB 410m, +22% YoY\u003c\/li\u003e\n\u003cli\u003eHigher provisioning and monitoring costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/passet\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDependence on Traditional Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank’s revenue mix remains concentrated in interest income from loans, with non-interest income at 18% of total operating income in 2024 versus about 30% for national peers, per 2024 annual reports and CBIRC summaries.\u003c\/p\u003e\n\u003cp\u003eWealth management and investment-banking fees are growing but contributed under 10% of revenue in 2024, limiting diversification.\u003c\/p\u003e\n\u003cp\u003eThis concentration raises earnings sensitivity to PBOC rate moves and loan demand shocks, increasing volatility in net interest margin and pre-provision profit.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNon-interest income 2024: 18%\u003c\/li\u003e\n\u003cli\u003ePeer average non-interest income: ~30%\u003c\/li\u003e\n\u003cli\u003eWealth\/investment fees: \u0026lt;10% of revenue\u003c\/li\u003e\n\u003cli\u003eHigher sensitivity to PBOC policy shifts\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eChongqing-heavy loan book risks: GDP slowdown could lift NPLs, margin \u0026amp; fee pressure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHeavy Chongqing concentration (85% loans) risks earnings: 2024 GDP +4.2%; 1% GDP drop → NPLs +0.3–0.5ppt. LGFV\/infrastructure exposure ~22% of corporate loans; overall NPLs 1.6% (2024), agri NPLs 2.9%, agri write-offs RMB 410m (+22% YoY). NIM slid to 2.05% (2024) from 2.38% (2021); non-interest income 18% vs peers ~30%, wealth fees \u0026lt;10%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan concentration Chongqing\u003c\/td\u003e\n\u003ctd\u003e~85%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGDP growth Chongqing\u003c\/td\u003e\n\u003ctd\u003e4.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOverall NPL\u003c\/td\u003e\n\u003ctd\u003e1.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgri NPL\u003c\/td\u003e\n\u003ctd\u003e2.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgri write-offs\u003c\/td\u003e\n\u003ctd\u003eRMB 410m (+22% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLGFV share corporate loans\u003c\/td\u003e\n\u003ctd\u003e~22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e2.05%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-interest income\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003eChongqing Rural Bank SWOT Analysis\u003c\/h2\u003e\n\u003cp\u003eThis is the actual SWOT analysis document you’ll receive upon purchase—no surprises, just professional quality.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56752258941305,"sku":"cqrccb-swot-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/cqrccb-swot-analysis.png?v=1772238729","url":"https:\/\/matrixbcg.com\/products\/cqrccb-swot-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}