Many people borrow money from credit intermediaries, that is, loan intermediaries. Loan intermediaries are institutions and individuals that provide loan services for you. They will choose the right loan channel according to your qualifications and charge a certain fee. However, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
First, how did the loan intermediary come into being?
When many people apply for loans, they don't know which loan products are suitable for them in the market, and they don't have much time to go to all lending institutions to understand the investigation. Some people may find it difficult to apply for a successful loan for various reasons, and these phenomena are not rare. So some people saw the market here, and loan intermediaries came into being, aiming to help borrowers match the most suitable loan products, improve the probability of being approved, and charge a certain fee from them.
2. What are the service scopes of loan intermediaries?
The loan intermediary is the bridge between the borrower and the bank. As a financial intermediary, it does not engage in loan issuance business, but mainly provides various consulting services and loan agency services.
Is the loan intermediary reliable?
Because loan intermediaries generally have cooperative relations with major banks, loan intermediaries can give borrowers certain concessions. If it is a formal loan intermediary, it is more reliable. Therefore, when looking for a loan intermediary, we must avoid the black-hearted intermediary. The following are several ways to identify formal loan intermediary companies:
(1) No charge in the early stage: the loan intermediary will charge a certain fee, but the formal loan intermediary will only charge the fee after the bank lends money, and will not pay it before the borrower receives the loan.
(2) Reasonable process: The borrower can inquire about a series of processes when the loan intermediary handles the loan agency, and judge whether the process is reasonable, so as to judge whether the intermediary is formal.
(3) Business license: The borrower can check whether the loan intermediary institution has legal and valid business license and other documents through visual inspection and other channels.
(4) Business area: The loan intermediary is only allowed to carry out agency business in the local area, so if the loan intermediary in Beijing promises to serve you in Shanghai, it must be a liar.
(5) Fixed office space, reminding everyone that if you plan to find a loan intermediary, you must make a field trip to its office space to find out whether it will work here for a long time.
What does it mean for credit loan intermediaries to take the bank special approval model?
Credit loan intermediaries take the bank's special approval mode, that is, they take special care of and approve certain things. According to relevant information, credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by credit without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
What is a loan intermediary?
Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
Extended data
Development trend and characteristics of loans;
1. The loan search platform is developing towards diversified financial services. Diversification, collectivization, relying on the long-standing vertical search mode of the loan industry, transformation and upgrading, credit card diversion, cash loan diversion, and even wealth management.
2. The mode of completely abandoning orders is developing towards the socialization of brokers. Completely abandoning orders, the platform profit model is single, and when the transaction volume is insufficient, it is not enough to make ends meet. Some platforms claim to have more than one million brokers, ranging from hundreds of thousands to hundreds of thousands, and the number of active users is unknown; Such platforms will focus on brokers and provide them with comprehensive services such as tools and social services.
3. The loan products and broker display mode will develop to the financial service loan supermarket B2C Mall. At first, I learned from Baidu to collect authentication service fees, ranking service fees and online shop service fees, hoping to become a platform for Baidu in the loan industry or B2B in the industry.
Later, with the development of the market, the intensification of competition, and the innate characteristics of non-sticky loan customers, such platforms began to transform into micro-credit loans, credit information platforms and financial technology data services, and the online and offline business model gradually became like a JD.COM of the loan industry, commonly known as financial service supermarkets.
4. Forecast of development trend of loan intermediary industry
On the whole, due to the vigorous development of cash loans (from several hundred yuan to several thousand yuan per loan), more and more Internet companies and institutions with scenes have begun to set foot in the loan acquisition platform, and there are also many companies and individuals selling loan flows.
Many banks, such as direct selling banks and internet banks, are striving to develop C-end direct selling customers, and loan customers can directly connect with financial institutions through such loan information platforms; If the platform has the ability of intelligent matching and intelligent credit analysis, C-end users can connect with financial institutions more conveniently and find funds.