First, when choosing customers, the main consideration is, of course, the convergence point of risks and benefits; Second, design a better product portfolio, such as credit line, and consider the comprehensive income such as deposit benefit, interest income and intermediary business income when making plans. These priorities vary from customer to product; Third, we should consider the matching of current and long-term benefits. Being a customer department is a one-time transaction, and the sustainability of income should be considered. This is a dynamic problem, which should change with time and place.