Reduce unnecessary expenses. To achieve positive profit growth, it is nothing more than increasing income and reducing expenditure, mainly loan interest income, that is, increasing the scale of high-yield loans. The premise of increasing the loan scale is the steady growth of the deposit scale, and the deposit absorption work must be done well. Second, we must do a good job in payment and settlement services to achieve sustained growth in intermediary business income. In terms of cost saving, reduce unnecessary expenses.

Extended data:

For listed companies, inflated profits will give investors a wrong message that the company's performance is improving, raise the company's share price and bring profits to the company. Even if it is not a listed company, inflated profits are also conducive to the development of corporate financing and loans. Some projects still need the company to reach a certain profit value, as long as the expected income of inflated profits is greater than the tax that needs to be paid more, it will be beneficial to the company. Increasing profits can make enterprise managers get more bonuses and attract investors to invest in listed companies. Banks are more willing to provide loans in financing.

The specific points are as follows:

1. The need to maintain corporate image Under the market economy system, banks and other financial institutions are reluctant to lend to loss-making enterprises and enterprises with insufficient reputation in most cases because of the need to minimize risks. However, enterprises, especially listed companies, are generally short of funds. In order to maintain their image in society, raise enough funds, pay more income tax at the expense of falsely reporting profits, and these income taxes are often returned to listed companies in the form of tax rebates by local governments. Or adjust the surplus to other users of accounting information for a consistent and stable growth in each accounting period, which is the so-called "profit smoothing" feeling.

2. Business leaders pursue the business performance of enterprises, and their assessment methods are generally based on financial indicators, such as the completion of profit (or loss) plans, return on investment, sales revenue, asset turnover rate, sales profit rate, etc. , are important indicators of business performance. The calculation of these financial indicators involves accounting data. The evaluation of business performance involves the evaluation of business management performance of enterprise directors, which affects their personal interests. The profit target is not only a legitimate plan for the economic development of enterprises, but also the pursuit of some leaders to achieve personal business performance during their term of office. This starting point is correct, but once the "profit target" is not reached, the enterprise will inevitably increase its profits for personal performance or "glorious image".

3. The current accounting system has great flexibility. Because of the flexibility of accounting system, management sometimes has to rely on their own judgment to weigh the relevance and reliability, which gives listed companies an opportunity. Defects of accounting theory and method. It also provides the possibility for listed companies to increase profits falsely.