We launched an online application channel last year. The report shows 12-month default rate is 6.6% for online-acquired customers versus 3.2% for branch, and someone wants to shut online down. Broken out: among prime customers, online defaults at 1% versus 1.5% at branch; among subprime, online is 8% versus branch 10%. About 80% of online customers are subprime, compared with only 20% at branch. What's your take?

去年开了线上申请渠道，报表显示线上获客的客户一年内坏账率6.6%，网点获客只有3.2%，有人提议砍掉线上。拆开看，优质客户里线上坏账1%、网点1.5%；次级客户里线上8%、网点10%。线上客户八成是次级，网点只有两成。你怎么看？