Give full play to the advantages of local banks and cooperative banks for small and medium-sized enterprises, actively promote loans for small and medium-sized enterprises, and issue loans to merchants in various small commodity markets to solve the financing difficulties of small and medium-sized enterprises. Vigorously develop personal credit business varieties, and launch personal consumption loans, housing mortgage loans, taxi mortgage loans, shop mortgage loans, "white-collar" and "easy loan" personal loans. To solve the public's financial needs. Since 2003, bank of qinghai has exclusively undertaken the work of micro-loans for laid-off and unemployed workers. So far, it has granted micro-loans of more than 25 million yuan to laid-off and unemployed workers, benefiting 2,000 unemployed people with difficulties, helping them solve their lives, providing convenient financial services for the socially disadvantaged groups, and playing an important role in promoting the construction of a harmonious society.