2. Improve the capital adequacy ratio.

3. Provision for bad debts by classification.

4. Adjust credit investment to develop syndicated loan business.

5. Proper use of bankruptcy.

6 the implementation of the "first responsible person" system, adjust the method of compound interest for sluggish loans and non-performing loans.

7. Establish and improve the credit internal control system of commercial banks. Whether the four major commercial banks have a sound internal control system is the key to determine the security of bank credit.

8. Develop archival information resources and standardize information disclosure.