Loan sharks are the problem. If they don't cooperate, the policy is useless.

Reduced policy effectiveness: If lending businesses, which are at the bottom of the regulated financial system, reduce or refuse cooperation in lending, it creates a 'balloon effect' where low-credit and low-income vulnerable groups are pushed into illegal private lending (illegal collection, usurious loans, etc.). This leads to criticism that the government's policies for low-income individuals are not functioning properly in practice.