Joining the lending platform is the best way.
What is a lending platform? Simply put, borrowers apply for loans from banks through the platform, and banks issue loans to users recommended by the platform.
The lending platform is a simple intermediary, which only helps banks get customers and does not participate in other links. The income of the lending platform mainly comes from the service fee charged by the bank to the loan customer after lending, or the bank returns the commission to the platform according to a certain proportion of the loan amount. In practice, the lending platform basically collects at both ends and eats at both ends.
The lending platform is mainly aimed at personal consumption loans, mortgage loans and micro-enterprise credit loans, because the number of these two types of customers is too large, and it is difficult to obtain customers only by relying on the banks themselves, and the coverage is narrow.
Then why do you suggest joining instead of setting it up yourself?
Let's take a look at several well-known lending platforms in China:
Kingdee and UFIDA are ERP software providers; Aerospace Information and Baiwang are electronic invoice platforms; Weizhong tax bank is an interactive platform for banking and taxation; Customers such as cloud provide ordering and cash register systems for restaurants and supermarkets; Hemudu has B2B e-commerce transaction data.
It can be clearly seen that these platforms all have a common feature: they have mastered a large number of business data of small and micro enterprises.
Compared with the companies in the above table, the topic says that several friends have formed a company in partnership. Without the potential customer resources of a large number of individuals and small and micro enterprises that banks need, there is no bargaining chip. How easy is it to cooperate with big banks?
Therefore, it is more pragmatic to join the big platform, and the lending platform will give you a part as an agency fee after receiving the commission from the bank. You just need to get customers. On the one hand, you earn the agency fee of the loan platform, on the other hand, you appropriately charge the handling fee of the loan customer.
Here's another model: you pay the deposit, bear the risk of non-performing loans, promise to cover the bottom, and then obtain bank funds through corresponding channels. You are responsible for customer acquisition, risk control review, collection and bad handling. This mode of cooperation has appeared many times in the past few years, and it was also secretly popular for a period of time, mainly for some small-scale commercial banks, but this mode is actually illegal, and the scope of business cooperation with third-party platforms is clearly required by the regulatory authorities. Supervision is getting stricter and stricter, and now this model has basically disappeared.
In short, joining a legal and compliant lending platform is not only conducive to revitalizing bank funds, but also conducive to solving the financing difficulties of individuals and small and micro enterprises in society. It is a move that benefits the country and the people. Several friends register a company in partnership and join the lending platform without a lot of investment. As long as they do a good job in business promotion, with the accumulation of more and more customers, the income is also considerable.
2. What is the interest rate of 2.3% discount on Bank of Communications credit card?
The 2.3% discount of Bank of Communications credit card is the installment interest rate. According to a consumer credit business launched by the relevant credit card, the interest of Bank of Communications Good Loan is relatively high in other consumer loans of the bank for a consumption line approved outside the credit card line.
Third, measures to improve bank credit coverage.
Measures to improve the coverage of bank credit loans include more visits to enterprises from all walks of life and more attention to some small and medium-sized enterprises and individuals, so as to expand the coverage of credit demand.
Fourth, how to increase loans with credit cards?
1. swipe as much as possible.
2. Try to swipe your card in different consumption places.
3. Pay in installments as much as possible, so that banks can make more money.
Be sure to repay the loan on time, and don't be overdue.