What are the barriers to entry into the banking industry?

The threshold for entering the banking industry is:

Capital;

Shareholders;

Proposed bank;

Mechanism requires four aspects.

It is clearly stated that investment must be made with free funds and must meet the conditions of "continuous profits in the last three fiscal years, net assets after year-end distribution reaching more than 30% of total assets, and equity investment balance not exceeding 50% of net assets."