Research On The Transformation Of Company A’s Online Lending Business Under The Strong Supervision Environment

In recent years,with the overall concentration of risks in the online loaning industry,The phenomenon of online loaning institutions closing down,losing contact,and running away was getting worse,Affect social stability and economic development..Since 2016,With the intensive introduction of various regulatory documents in the field of online loaning,The online loaning industry was facing strong and increasingly strict supervision.In January 2019,the Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Loan Institutions was issued,stating that it will adhere to the withdrawal of institutions as the main work direction.In October 2019,Hunan,Shandong,Chongqing,Henan and many other places announced the banning of all online loan institutions in their jurisdictions.In this context,Online loan agencies actively implement regulatory requirements,Achieving its own transformation and sustainable development are the key issues that need to be addressed urgently.Company A complied with regulatory requirements and actively explored a comprehensive business transformation.Using loan assistance as its new business model,gradually replacing the original online lending business.Company A,as a pioneer in the transformation of online lending business,explored its transformation,which has valuable reference for the transformation of the entire online lending industry under the background of strong supervision.This article uses a balanced scorecard to make a qualitative analysis of the transformation process of Company A’s online lending business from four levels: finance,customers,internal processes,learning and growth;Then introduced the analytic hierarchy process to build a hierarchical model,combining qualitative analysis and quantitative analysis to explore the business transformation of Company A.The results of this study show that,In the process of the transformation of A’s business from online loan assistance,itsoverall performance level has improved,Against the background of the overall downturn in the online lending industry,the loan-assistance business continued to develop,and the matching amount,which is the main profit indicator,has a clear upward trend,showing a more impressive development potential.But business transformation takes a lot of money,which has caused the company’s current assets ratio to decline significantly and its solvency to weaken.Moreover,the loan assistance business is not regulated by specific laws,and the attitude of the supervisors is not clear.The difficulty in connecting with licensed financial institutions is also a constraint on its future development.The research significance of this article lies in summing up the success or failure of A’s business transformation by exploring the successful experience and problems of A’s business transformation.and to summarize its success or failure,Put forward specific suggestions for the transformation of online lending business from three perspectives of the country,society,and enterprises,so as to provide useful reference for the transformation of online lending business.