The lessons are clear: Institutions should aim to issue a higher number of smaller loans to local individuals, while depending less on guarantees. To aid in this process, lending platforms need better channels for sharing credit and leveraging data, and they must build up identity verification systems.
教训是明确的：机构应着眼于向本地个人发放更大数量的小额贷款，并减少对担保的依赖。为了协助这一过程，贷款平台需要更好的信用和杠杆数据共享，并且必须建立身份确认系统。这需要政府与私人部门的协作，以及专用的信息共享网络。