The scale ratio of low-interest funds such as ABS, ABN and syndicated loans. In terms of operating costs, indicators are set based on expected returns to constrain the project establishment standards, realization cycle and resource consumption of different products and projects to reduce waste of resources. Improve the utilization rate , which is a whole concept, including the utilization rate of all resources in the enterprise, such as funds, internal systems, employees, external users and so on. As far as funds are concerned, the source of funds of consumer finance sms marketing service companies is strictly from "borrowing". Therefore, reasonable planning and forecasting of the "thirst" of funds determines the level of capital costs. This requires a reasonable and dynamic estimate of the revenue and expenditure of "funds", which depends on the correct analysis and judgment of the market environment and user needs. As far as users are concerned, when the cost of acquiring customers remains high, it is undoubtedly a very economical strategy to increase the utilization rate of users and have high-frequency business relationships with users. One contact and multiple transactions are undoubtedly a very economical strategy, especially for cooperative customers. The "self-operated conversion" of the