I worked in a bank loan institution. At first, I said there was a handling fee. After the loan came down, I was deducted 20 thousand. What should I do?

With the tightening of credit scale, the implementation level of loan interest rates of various banks is different, and the spread is gradually widening. Intermediaries of loan companies generally earn fees from both customers and banks. Banks have strict supervision over the flow and use of personal loans. If you don't explain the relevant handling fee at first, it is recommended to consult a professional lawyer to solve it.

Credit channels can be divided into balance sheet channels and bank loan channels. Bank loan channels mainly emphasize the influence of the central bank's monetary policy on the amount of bank reserves, which in turn affects the amount of bank loans to enterprises and the amount of investment by enterprises. The transmission mechanism of monetary policy through bank loan channels is based on the understanding that banks play a special role in the financial system because they are particularly suitable for dealing with specific types of borrowers, especially small enterprises, in which the problem of information asymmetry is particularly prominent. Of course, large enterprises can contact the credit market directly through the stock and bond markets without going through banks. In this way, the tight monetary policy of reducing bank reserves and bank deposits will have an impact on these borrowers. The decline of money supply reduces bank deposits, which in turn leads to the decline of bank loans. Then reduce the investment of enterprises and reduce the total output.

Bank loan channel is a typical theory of credit transmission mechanism. The theory holds that financial intermediaries have a special position under the condition of asymmetric information, and banks have professional skills in evaluating and screening loan applicants and supervising the use of loans, so that they can provide loan services to borrowers who are difficult to obtain funds in the open market. Therefore, the central bank can change the scale of bank reserves by formulating monetary policy, which objectively affects the ability of commercial banks to provide loans. According to the theory of bank loan channel, banks play a key role in the credit market with friction, and bank loans become the only external financing channel for borrowers or some borrowers. In this way, when the banking sector relies on storable demand deposits as an important source of funds because of the lack of close substitutes for deposit liabilities, the change of monetary policy can affect the lending ability of banks, and then affect investment, consumption and output. This transmission channel can be described as: monetary policy operation-bank credit supply capacity-total expenditure-real economy.