Cash lending enterprises are experiencing a V-shaped recovery on the income side, with accelerated expansion of scale and optimized efficiency on the profit side, driving stable returns; The market space is good, with a phased increase in scale and seasonal dependence characteristics. The market is shifting from incremental driving to stock operation, and user retention can be enhanced through scenario extension and experience optimization; User experience can play a key role in the "customer acquisition retention conversion trust" business cycle of cash lending institutions;