Illegal loan intermediary companies have the following potential risks:
The first is to defraud the loan risk. Illegal lending intermediaries combine the credit characteristics of customers, such as credit reports, assets, income status, etc., and comprehensively consider the approval standards of bank credit products. For customers with poor credit information and insufficient solvency, they can meet the formal requirements of credit approval by issuing false work income certificates, fictitious consumption contracts, and bank running water, so as to obtain credit funds.
Due to the uneven financial situation of lenders, it is difficult to guarantee the solvency, and it is difficult for banks to effectively supervise the post-loan funds. The risk of overdue default of credit funds continues to accumulate, which may eventually cause huge economic losses to banks.
The second is the risk of infringing citizens' information. In order to attract customers with capital needs, illegal loan-assisting intermediaries entrust them to handle financing loans and purchase a large number of social citizenship information through the Internet.
Then fake the names of major commercial banks, and send a short message similar to the normal promotion of banks' business "how much credit is given according to the comprehensive credit score" to induce customers in need to reply to the consultation.
In the follow-up process, in order to further dispel customers' doubts, the loan intermediary lied that it had a fixed cooperative relationship with the bank or designated the bank to publicize and introduce the lending institution. The above-mentioned behaviors of loan intermediaries not only gave birth to and encouraged crimes of infringing citizens' identity information and personal privacy, but also seriously damaged the image of banks and financial institutions and affected their credit.
The third is the risk of illegal cashing. Because customers themselves need to use credit funds for other purposes, illegal loan-assisting intermediaries apply for a large number of POS machines from third-party payment institutions in the name of companies or employees in order to maximize illegal interests.
And provide customers with credit fund services such as swiping credit cards and taking bank consumption loans, and charge a certain percentage of handling fees, which seriously disrupts the normal financial order.
Fourth, it violates the national economic policy orientation. In recent years, the state has accelerated economic transformation, revitalized the real economy, actively guided funds to get rid of the virtual reality, and adhered to the long-term real estate regulation and control policy of "housing and not speculating".
However, illegal lending intermediaries obtained bank credit funds and invested in the stock market and property market through various false means, which seriously deviated from the state's major policies, greatly weakened the effectiveness of the state's macro-control, and brought great damage to the state's social interests.