How Changshu Rural Commercial Bank Optimize loan-to-deposit ratio

1. Broaden deposit channels. The deposit channels of banks include demand deposits, time deposits, savings deposits and wealth management deposits.

2. Improve the loan yield. Bank's loan yield refers to the income obtained from bank loans.

3. Improve the credit risk management ability. The bank's credit risk management ability refers to the bank's ability to evaluate and manage the customer's credit status.

4. Develop cross-border business. The bank's credit risk management ability refers to the bank's ability to evaluate and manage the customer's credit status.