1. Adjust and relax the loan standards appropriately, and maintain the reasonable growth of total credit. It is suggested that while continuing to restrict the entry of credit funds in some industries with redundant construction and high energy consumption, the loan standards should be appropriately adjusted and relaxed, and the credit standards should be relaxed for enterprises and projects with market and benefits, so as to maintain a moderate increase in the total amount of loans and continue to maintain reasonable credit funds to support the rapid economic growth. First, continue to support the industrial economy and meet the reasonable liquidity demand of industrial production. Second, continue to support the rapid development of agriculture, rural areas and farmers, promote the adjustment of agricultural economic structure and take the road of agricultural industrialization. Third, while strengthening the regulation of the real estate market order, we will continue to support the rapid development of the real estate industry. Due to the continuous expansion of market demand, blindly restricting the development of real estate industry is not only not conducive to curbing the rapid rise of housing prices, but also restricts the improvement of residents' quality of life and hinders the growth pace of the national economy.

2. Improve the financing guarantee system for small and medium-sized enterprises and effectively solve the problem of loans for small and medium-sized enterprises. Because the credit crunch makes the development of small and medium-sized enterprises face great difficulties, it is necessary to improve the financing guarantee system of small and medium-sized enterprises as soon as possible. It is suggested that various types of guarantee institutions should be established first. Such as setting up a policy guarantee fund, providing loans for small and medium-sized enterprises, or establishing mutual assistance and joint insurance for small and medium-sized enterprises. Secondly, do a good job in increasing capital and shares of policy guarantee institutions to further expand their guarantee capabilities. Such as the establishment of a regular compensation system for guarantee funds. Finally, expand the scope of protection. We can actively try to handle a number of guarantee businesses such as bill guarantee and credit guarantee for small and medium-sized enterprises, and provide a variety of services for small and medium-sized enterprises to broaden financing channels.

3. Implement the monetary policy with regional differences to adapt to the local economic and financial development. The rapid economic development is inseparable from financial support. Since the second half of 2003, there have been signs of overheating in some areas of China, with prices rising continuously and inflationary pressure increasing. The state has taken a series of macro-control measures in time and achieved remarkable results. However, due to the fact that some areas such as Sichuan Province are located in the western part of the motherland, the speed of economic development lags far behind the developed eastern coastal areas, and the rapid decline in loans is not conducive to the sustainable economic development of backward areas. It is suggested that the monetary policy should be introduced as soon as possible, which should be combined with the local reality and take into account the needs of local economic development, so as to adapt to the local economic and financial development.