Now many small loan companies say that it is almost harder to recover money than to ascend to heaven, but they are worried to death. So what makes it difficult for small loan companies to recover the payment? Shijiazhuang small loan company reveals the reasons why it is difficult for small loan companies to recover the payment. First of all, rural credit cooperatives or postal banks are generally allowed to approve loan companies that can issue small loans. However, financial institutions and non-financial institutions always tilt interest rates towards microfinance companies. Then the interest and financial expenses are getting higher and higher, and many borrowers are overwhelmed, which makes it difficult for many microfinance companies to recover their funds. Secondly, the main body of small loan companies does not have the advanced technical conditions as the main body of big loan companies. Unlike large loan companies, the upper and lower levels of the main body can form effective resource sharing. Therefore, the poor supervision of the loan use of microfinance companies is also one of the reasons why it is difficult for microfinance companies to recover funds. There are also problems in the design of financial products. Generally speaking, we originally wanted to achieve a win-win goal, so we adopted joint guarantee, but if one of the joint guarantee households has problems, then the whole subject will have problems. Just like the current H9N7 virus, one person is sick and many people are infected. There is also the fact that customers who generally take small loans do not have the strength to take risks, and even if they do, they are very weak. Small loan companies can't give these subjects the necessary guidance when the situation happens, so Shijiazhuang Small Loan Company thinks that poor risk awareness is also one of the reasons why it is difficult for small loan companies to recover the money.