Study on Sustainable Development of Chinese Micro-credit Companies
The 2023 Central Financial Work Conference pointed out that we must adhere to the value orientation of putting the people at the center and vigorously develop inclusive finance.The 2024 government work report pointed out the need to vigorously develop technology finance,green finance,inclusive finance,pension finance,and digital finance.In local financial organizations,small loan companies serve as effective supplements to banking and financial institutions,focusing on inclusive finance and playing an important role in supporting agriculture and small businesses.In recent years,financial regulatory authorities have strengthened the management of small loan companies,optimized the financial development ecosystem,and achieved certain results in the healthy development of small loan companies.However,there are also problems such as unclear legal identity attributes,single external financing channels,high operating pressure,and insufficient employees.To promote the sustainable development of small loan companies,we can increase policy support for small loan companies,enhance their operational capabilities,accelerate their business transformation,and enhance their digital service level.