1. Under the conditions of credit scale control and self-restraint of capital and loan-to-deposit ratio, the whole bank should make good use of valuable credit resources, actively deploy incremental business, gradually optimize existing business, reduce the concentration of real estate loans, government financing platform loans and other business segments, and prevent systemic risks caused by excessive concentration.

2. We should take the initiative to prevent overcapacity, eliminate backward production capacity, control risks in key industries and control the overall proportion of industries.

3. Efforts should be made to expand new high-quality customers. While maintaining the stock of high-quality customers, we should ensure a certain proportion of new households in that year and screen out a certain proportion of inferior customers; Continue to develop small and medium-sized enterprise customers and optimize customer quality.

4. Make up the price, improve the pricing ability, improve the comprehensive income of the business, and continuously improve the profitability.

Extended data

The focus of capital utilization is the reasonable cooperation of various assets, that is, the problem of asset structure. Similarly, due to the different means and uses of investment, the return on investment and other rights and interests brought by these investments are also different. Therefore, the goal of fund management in corporate finance is to find, compare and choose the purpose of funds that can bring the greatest return on investment to the company.

The company's financial management must rely on a set of scientific management methods and means, including forecasting, planning, control, analysis and accounting, to effectively manage the company's capital sources and capital utilization, so as to maximize the return on investment or minimize the return on investment.

Baidu Encyclopedia-Capital Utilization