I have a friend who runs a formal microfinance company. Microfinance companies have nothing but loans, and some of them are off-balance-sheet, such as cooperating with banks to make bridge funds for borrowers or usury, hehe.

I suggest you do it in several stages: first, you must understand the background of the introduction of this model of microfinance companies and what purpose and effect the country wants to achieve by introducing this model; The second is the organizational structure, business content, business operation process and main service objects of general microfinance companies. The third is whether the current model has achieved the goal that the government wanted to achieve in the early days of its establishment, the external reasons for not achieving the goal and the internal reasons for its loan company; Fourth, focus on the advantages and disadvantages of its internal customer service model, and whether there are other improvements that can promote its service coverage to achieve the final effect.

If you can sort out these four points on the Internet and arrange enough information before you start writing, then I believe your thinking will be much clearer, so pave the way for your own thinking first.