This study deals with the impact of Vietnam bank size, loans, credit risk, and liquidity on Vietnam banks’ net interest margin, which are crucial for economic development. High profit margins result in a lower bad debt ratio due to timely loan collection and good liquidity. This study applies a panel data model to evaluate the relationship among bank size, loans, credit risk, liquidity, and marginal profitability, which are increasingly important in commercial bank growth. Data were collected from 2010 to 2022, and test methods were applied to select a good-fit model. Realizing that the factors that have a close correlation and affect the profit margin are 33.6% and 16.07%, 75.2%, 37.51%, 64.30%, and 41.11%, and R2 is 59.04%, respectively, this suggests that financial managers need to develop appropriate strategies and policies to adjust the factors that adversely affect commercial bank profitability.

In the process of teaching and learning at any stage, the important role of interest guidance cannot be ignored. Especially in college mathematics teaching, mathematical knowledge is very complex and abstract, and most students are unable to effectively understand and master it during the learning process. So it is even more important to fully stimulate students' interest in learning. This article analyzes the significance and current situation of stimulating students' learning interest in university mathematics teaching, and conducts effective strategy analysis. In order to effectively awaken students' desire for knowledge, guide students to change from passive learning to active learning, so that students can continue to grow and progress in this process.

In modern society, English, as an important language, is an indispensable tool for people to communicate and exchange. However, learning English is not limited to knowledge points, grammar and other aspects. With the development and progress of the times and the rapid improvement of the level of science and technology, the problem of how to cultivate students' interests has become increasingly prominent. Interest is the best teacher to learn, and it is also the most effective, direct and lasting way for students to learn English well and improve their level and ability. Cultivating good teaching habits can help us master knowledge and skills better. Starting from the importance of students' interest in learning, this paper discusses how to stimulate students' interest in learning and find the correct teaching methods in order to help students have a strong interest in English learning in class and help them acquire knowledge actively.

The implementation of the "the Belt and Road" requires the common development of the "five links" of policies, facilities, trade, finance and popular support, among which "people to people connectivity" is the premise of the coordinated promotion of the "five links", and cultural communication, exchange and cooperation are the foundation and guarantee of the popular support project. The "the Belt and Road" cultural communication, exchange and cooperation are diverse in content and form. We need to identify the opportunities and challenges we face, make long-term strategic plans, and take practical countermeasures and implementation paths according to the characteristics of cultural communication diversity. Some domestic scholars have conducted research on cultural communication strategies and analyzed the opportunities and challenges they face, but there is a lack of diversity analysis on the forms of communication that should be adopted. This paper explores and studies the "the Belt and Road" cultural communication strategy, implementation path and safeguard measures, constructs a new model of diversified cultural communication and exchange cooperation, and tries to play a certain role in promoting the actual effect of cultural communication and exchange cooperation and better safeguarding the "the Belt and Road" community of interests.