State supervision is a layer of protection. Many commercial banks like to lend money to individuals. Because of the flexible interest rate and the great demand in the personal loan market, banks can easily profit from it. The blind pursuit of profits and uncontrolled lending will only increase the bad debts of banks, and the credit information of borrowers will also be affected. In particular, many commercial banks that cooperate with small loan companies lend to groups with no fixed income. The most serious consequence is that some people are overwhelmed and finally choose suicide. After more and more similar social events occurred, the state began to supervise and introduced a series of measures. If credit review is to be strengthened and loans are not allowed to students, these regulations provide a layer of protection for the safety of personal consumption loans.
How should banks develop under strong supervision? Supervision is not a means to restrict development, but to make banks develop more safely and healthily. First of all, I think banks should do a good job in the selection mechanism of target groups, and accurately find people with financial needs but healthy credit information and strong repayment ability to lend. Good customers are the basis of cooperation, even in the loan market, this truth is correct. Secondly, banks should strengthen financial innovation, provide consumers with more and more flexible credit choices, help solve consumers' problems, and think from the standpoint of consumers. From the role of borrowing money to the role of friends who help solve problems.
Banks need to develop under supervision. Nowadays, with the rapid development of our society, the main role in the financial system, that is, banks, should also change their position in the development process to conform to the trend of social development.