Enterprises should focus on the use of funds. For products that can bring the most sales, adopt explosive models to obtain higher profits, and cut their own production lines to reduce part of the development cost. Target different people. In recent years, BYD has had very large bank loans, which has also led to BYD's asset-liability ratio has been high. The reason why BYD has a large amount of loans every year is mainly for the expansion of production capacity, the increase of management personnel and the investment in product research and development, and the use of funds is relatively scattered. Therefore, BYD should reduce borrowing as much as possible in the future and concentrate limited funds on the research and development of new energy vehicles. The production of new energy vehicles requires advanced equipment and is very expensive. The introduction of equipment through financing leases can not only reduce the occupation of funds but also optimize the capital structure of enterprises.