1. Adjustment of monetary policy: In order to reduce the growth rate of loan balance, the central bank will implement monetary policy to curb the increase of loan balance, for example, raising the deposit reserve ratio or implementing targeted reduction of the deposit reserve ratio.

2. Changes in the macroeconomic situation: Changes in the macroeconomic situation will also affect the increase or decrease of the loan balance. Once the economic situation is bad, the financing needs of enterprises will be affected, and the increase of loan balance will be reduced.

3. Improvement of regulatory policies: The government will also strengthen the supervision of financial institutions and limit the loan supply of financial institutions, thus reducing the increase in loan balance.