Legal analysis: there is no uniform regulation, and the loan amount is mainly determined according to the customer's situation (more importantly, the amount and conditions required by the customer). The charging range of loan agency fee is generally between 3%- 18%, and some even exceed 18%, which is acceptable. Because credit intermediary is a kind of financial service, it is legally recognized to charge intermediary service fees. The cost of intermediary expenses includes: all operating costs of financing institutions; Channel maintenance cost of intermediary; The intermediary's own time cost is exchanged for the customer's time cost; Other expenses and costs; The state encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees.
Legal basis: People's Republic of China (PRC) Small and Medium-sized Enterprises Promotion Law.
Article 16 The State encourages various financial institutions to develop and provide financial products and services suitable for the characteristics of small and medium-sized enterprises.
National policy financial institutions shall provide financial services to small and medium-sized enterprises in various forms within their business scope.
Article 18 The state improves the multi-level capital market system, promotes equity financing through multiple channels, develops and regulates the bond market, and promotes direct financing of small and medium-sized enterprises through various means.