Research on the Development of Small Loan Industry Under the Background of Strict Supervision

Abstract

In recent years, the microloan industry has faced unprecedented challenges under strict regulatory policies. The adjustment of regulatory policies, such as raising the entry threshold and strengthening risk management, has significantly increased the compliance cost of small loan companies and limited their business operations. The industry faces major challenges such as narrow funding sources, increased difficulty in risk control, and intensified market competition. In response to these challenges, the microfinance industry actively explores the path of transformation and innovation, including the innovation of business models, the deepening of science and technology application, and the construction of cooperation and win-win mechanisms. At the same time, strengthening internal compliance management, actively responding to regulatory policy changes, and improving the level of industry self-discipline have become the key to the development of industry compliance. This paper deeply analyzes the development of the microfinance industry under strict supervision and puts forward corresponding countermeasures and suggestions.