1. The banking financial services company intends to reach cooperation agreements with various banks engaged in mortgage loan business, integrate real estate or other mortgage loan business, and package them for the market. Our company will handle related business on behalf of the bank and charge a certain service fee, so that on the one hand, we can reserve a large number of high-quality customers, on the other hand, we can establish a long-term cooperative and win-win relationship with the bank. In order to carry out the above business efficiently, our company plans to set up corresponding management departments and service agencies to specialize in this work.
Main functions:
1, develop and integrate market demand, revitalize existing assets, and monetize real estate securitization;
2. Strive for seamless connection with banks and realize efficient allocation of funds;
3. Complete all documents of the intermediate business and the whole process and all requirements of the bank, and try to achieve a success rate of 100%.
2. Direct investment in financial services business (similar to asset pawn business) For users who have good real estate assets as collateral, (the bank authorizes us) to lend to demanders in the name of the company. In terms of rule setting, our company will generally go with the market; In risk control, higher requirements will be adopted, that is, the loan-to-deposit ratio will be controlled more strictly. Usually this kind of business is only short-term, such as one month, three months and so on. The loan interest rate is controlled at a certain level.
Third, the intermediary financial service business (P2P mode) is to put customers with collateral and urgent capital needs into the company's demand platform for future use; At the same time, customers who have funds and agree to loan under the condition of ensuring the return and safety of funds will also be included in the company's cash pool in order to exchange with the demand platform and get what they need.