According to the article, it is necessary to objectively recognize that at this critical stage of transformation and quality improvement, the consumer finance industry is still facing some phased challenges. Although there is no systemic risk, compliance needs to be further strengthened through strengthened supervision. Under the name of technological empowerment, some platforms do not have a clear grasp of financial business boundaries, have a tendency to participate beyond the scope of core financial links such as credit issuance and risk pricing, and have not fully implemented licensed business requirements. Supervisory authorities should establish a full-life cycle management system, which includes clarifying qualification thresholds, requiring platforms to obtain corresponding financial licenses when carrying out core financial services such as credit and risk control. Loan aid agencies that only provide technical support and scenario construction must complete filing and registration, and it is strictly prohibited to engage in financial activities without a license or beyond the scope.

According to the article, it is necessary to objectively recognize that at this critical stage of transformation and quality improvement, the consumer finance industry is still facing some phased challenges. Although there is no systemic risk, compliance needs to be further strengthened through strengthened supervision. Under the name of technological empowerment, some platforms do not have a clear grasp of financial business boundaries, have a tendency to participate beyond the scope of core financial links such as credit issuance and risk pricing, and have not fully implemented licensed business requirements. Supervisory authorities should establish a full-life cycle management system, which includes clarifying qualification thresholds, requiring platforms to obtain corresponding financial licenses when carrying out core financial services such as credit and risk control. Loan aid agencies that only provide technical support and scenario construction must complete filing and registration, and it is strictly prohibited to engage in financial activities without a license or beyond the scope.