Lending assistance means that lending institutions provide financial support and help to lending institutions, and finally match the matching funds for borrowers. Warm reminder, lending institutions do not issue loans ~
The original intention of the loan assistance model is to combine the capital resources of traditional financial institutions and financial licensed institutions with institutions with advantages in data, traffic and customer acquisition, so as to improve lending efficiency and realize complementary advantages.
Lending institutions not only help banks acquire customers at the marketing level, but also screen customers for banks at the risk control level, and even provide service solutions for banks after lending. Banks only need to issue loan funds for customers to make a profit.
What is the value of "loan assistance" service?
1. Help loan customers
Many people may borrow money, but they don't know which bank to go to. There are hundreds of large financial institutions. How to make a choice?
Where is the loan with higher success rate, lower interest rate and the highest amount?
Some people say that you should try more by yourself? Don't be silly, no matter how much time and energy you have to spend trying to make mistakes, it is also a big problem to check the credit information too many times.
The credit report shows that after many loan approvals, the bank will judge that you are extremely short of money because of risks, so it is difficult for you to borrow money from the bank in a short time.
For another example, you may not be able to prepare all the materials needed for mortgage loans and other businesses. It's really time-consuming and laborious to make it up again.
2. Help banks and other financial institutions to complete the initial screening of customers.
This saves both time and labor costs, and the account manager is limited. It is impossible for any customer to stay in the reception area for a long time, so the loan company can complete this piece.
Therefore, the loan assistance model can improve the business ability of both the loan assistance platform and the banking institution, and reduce the operating cost, which is a win-win model. If the bank holds hands with the traffic end and the technology end, it will bring great opportunities to all aspects of the whole model.
With the development of the mobile Internet and the upgrading of the loan crowd, the loan-assisting intermediary market will show such a trend: the loan-assisting intermediary will become more and more standardized and the development trend will get better and better.
First of all, the proportion of online customers and smart matching loans is increasing. With the continuous application of financial technology, the brand brokerage platform of loan service will be born by improving the stickiness of loan customers through the mobile Internet loan platform. Fast, efficient and convenient loan services will be gradually popularized in first-tier and developed cities.
Secondly, loan intermediaries (loan brokers) will begin to standardize. With the increasing restrictions of financial supervision on loan assistance and loan brokers, it is not excluded that there will be a loan broker qualification certificate in the next few years, similar to the insurance broker qualification certificate. Loan brokers will still be attached to a major financial institution, which is as easy to manage and upgrade as independent brokers abroad, but I believe it will not be popularized so quickly, and there is still a long development process in China. After all, there are still many brokers whose knowledge system is still not perfect and their knowledge level is still very low, which needs to be upgraded and improved. The incidents of fraud and routine loans will be greatly reduced!
In short: loan intermediaries will become more and more Internet-based, with chain stores, brands, scale and compliance. The future loan agency service must be an era of branding, scale, compliance and internet.
In the next few years, the standardization and maturity of the loan intermediary (brokerage) industry, the application of emerging technologies and the improvement of the financial service model will greatly reduce the pain points of the industry. It is believed that "difficult, expensive and slow loans" will become the history of financial services, and inclusive finance will further promote its development. The role, significance and status of loan intermediaries are constantly enriched, and loan intermediaries will become more and more standardized, and the development trend will become better and better.