For the prospects of microfinance companies, the general manager of microfinance companies and those who intend to set up microfinance companies are also the ones who think the most. The customers of microfinance companies are mainly "agriculture, rural areas and farmers" and small and medium-sized enterprises, and the loan period is mostly within half a year, and the shortest is only a few days, which is in sharp contrast with the "long loan period", "cumbersome procedures" and "high loan conditions" of large financial institutions. At the same time, in order to compete with banks in a differentiated way, microfinance companies adopt more flexible ways such as guarantee, pledge and joint guarantee in addition to the mortgage loans that banks are used to, making it easier for farmers, self-employed and small enterprises that lack collateral. At the same time, continuous innovation and timely launch of unique financing products, then the prospects of microfinance companies are naturally good.

According to the analysis report of Forward-looking Industry Research Institute's "20 15-2020 China Microfinance Industry Market Prospect and Investment Strategic Planning", as a useful supplement to the financial market, microfinance companies have opened up new financing channels for small and medium-sized enterprises and farmers who urgently need funds to get rich, especially in the face of the international financial crisis, which has played an important role in solving the problem of loans for enterprises and farmers. By solving some of its problems, I believe that the prospects of microfinance companies will be better.