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it is generally believed that xiaoying technology's business model is based on "stable profitability" as its core strategy, and it maintains a cautious attitude in operating cost control and risk management. however, xiaoying technology unexpectedly relaxed its loan volume and predicted that the loan volume will gradually recover in the second half of the year. this seems to be inconsistent with market expectations.

the tension between risk and cost

although xiaoying technology has pledged to "strive for profitable growth", its risk management staff is only 47 people, which makes the platform's risk control more difficult and faces huge challenges in cost control. xiaoying technology's collection fees increased by 19.1% year-on-year, and its loan receivables provision increased by 73%; these data show that as the loan volume increases, the platform's cost control will become a huge challenge.

the dilemma of marketing strategy

xiaoying technology's marketing department is extremely small, with only five employees left. compared with other competitors, this puts it at a clear disadvantage in customer acquisition strategy.

lack of overseas business

many loan-assisting platforms are actively seeking overseas expansion opportunities, but xiaoying technology has not explicitly mentioned overseas business. this shows that the company is currently focusing on the domestic market and positioning its business growth points on the existing user value mining and shareholder returns.

in summary, xiaoying technology has demonstrated its cautious business attitude through the strategy of "steady profitability". however, as market competition intensifies, risk management and cost control face challenges, and whether the "lying profit" strategy can be sustained is also worth paying attention to.