Vigorously develop loans for small and medium-sized enterprises and personal loans. On the basis of improving the ability of risk identification, we will vigorously expand small and medium-sized enterprise customers with reliable cash flow, good industrial prospects and controllable risks. Strengthen personal loan assessment, launch financing products that meet market demand, improve personal loan business processes, and increase the proportion of personal loan business.
Optimize the structure of capital business and improve the rate of return on capital business. Further increase the proportion of trading accounts and accounts for sale in bond investment, appropriately expand the trading volume of cash bonds, and improve the level of asset returns. On the premise of ensuring liquidity, reduce the level of reserve funds and improve the efficiency of capital use.
Flexible loan pricing, vigorously develop financial derivatives. According to the principle of loan pricing with symmetrical risks and benefits, make good use of the floating right of loans to reasonably cover the loan risks of SMEs; Actively develop and provide targeted risk management tools for quality customers, especially some large export-oriented enterprises.
Adjust the debt structure and strive to reduce the cost of capital. Vigorously develop demand savings deposits that are highly positively related to the securities investment market and optimize the deposit structure; Re-expand the market share of interbank deposits and give full play to the overall cost advantage of interbank deposits relative to corporate deposits and savings deposits.
Seize the development opportunity of the securities market, strengthen the comprehensive management platform, and vigorously expand the intermediary business. While striving for new breakthroughs in comprehensive management, we will strive to enhance the market position, brand image and innovation ability of securities, insurance, funds and trusts under our jurisdiction. Actively integrate commercial banks and non-bank financial institutions within the group, improve the cooperation mechanism, play a synergistic effect, and promote the optimization of business structure.
Further strengthen the management of market risk and liquidity risk. Use quantitative analysis tools to improve the ability to analyze the maturity gap of assets and liabilities and interest rate sensitivity. On the basis of in-depth investigation and comprehensive analysis, it can effectively predict the long-term trend of interest rates and identify, measure, manage and control interest rate risks. In the near future, efforts should be made to narrow the negative gap of interest rate sensitivity of banks, expand the positive gap of interest rate sensitivity and promote the sustained growth of net interest income. At the same time, the quantitative model of liquidity monitoring should be established and improved, and relevant countermeasures should be studied according to the short-term fluctuation and medium-and long-term development trend of liquidity.
In addition, with the further strengthening of supervision over the use of credit funds, settlement and sale of foreign exchange, energy saving and consumption reduction, commercial banks should pay more attention to compliance management, effectively manage compliance risks, and avoid financial, business and reputation damage.