What is the difference between a credit company and a guarantee company? Do the same business.

In essence, there is little difference between the two, and the workflow is similar, both of them are doing delivery business. However, loan officers face much worse customers in the guarantee business than bank loan officers. Banks choose high-quality customers, high-quality enterprises that basically don't need money, and customers who really need loans are non-quality customers. They don't have formal financial information and sufficient collateral.

In terms of income, the income of bank loan officers is stable and the commission is low. If the guarantee company is risky and the interest rate is high, the commission will be high. But once the bad debts are collected, it is a lifelong responsibility system.

At present, the domestic private capital market is mixed and there is no perfect system, so those who can operate in private capital are the real experts in the financial field.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.