1. A small loan company shall set up a working group or department with separate loan examination and approval, which shall be composed of personnel specially responsible for examination and decision-making, and an independent loan examination department shall be responsible for examination and decision-making.

2. Small loan companies should establish standardized examination and approval procedures, define examination and approval responsibilities and procedures, and set different examination and approval thresholds and quota limits according to the borrower's risk level, loan amount and other factors.