Kuairong 100 Company will answer your questions soon. A small loan company is an enterprise legal person, with independent legal person property and legal person property rights, and bears civil liability for its debts with all its property. Shareholders of small loan companies enjoy the right to return on assets, participate in major decisions and choose managers according to law, and are liable to the company to the extent of their subscribed capital contribution or subscribed shares.

Private lending companies are loans of money or securities between citizens and legal persons and between citizens and other organizations.

Generally speaking, private lending companies are not as formal as microfinance companies, and the loan risk is greater. This answer is for reference.