There are two issues coming from this paper that should be improved. First, the English is still poor or it needs improvement in some places. Please change those sentences or words with the proper ones. Second, the classification of banks into State-owned banks, foreign exchange banks, and non-foreign exchange banks are misleading, considering that all state-owned banks are also foreign exchange banks. To resolve the problem, the authors can change the classification into only two kinds of banks, namely foreign exchange banks (including state-owned banks) and non-foreign exchange banks, or the authors classify those banks into three classified banks, namely State-owned foreign exchange banks, Private-owned foreign exchange banks, and Private-owned non-foreign exchange banks.