The debate on the cash loans in China has again become intensified, with the question centers on regulating this small micro-financial industry with the market size of about 6000-10000 billion RMB. Anbound believe that it is not appropriate to take a "one size fits all" ban, which will only push such industry to the darker underground financial sector. All financial services should be included in the financial supervision and the cash loan business license management system; the credit information should be gradually liberalized, the risk control and industry norms strengthened, and guided to become a relatively healthy inclusive financial market.