Most loan intermediaries serve business owners. Business owners are very busy, and there are so many loan products that everyone's conditions and needs are different. Therefore, business owners are absolutely willing to pay a reasonable fee to entrust professional services. In the process of serving customers, intermediaries create the value of saving time, effort, money, dignity and privacy for customers.
Customers pay for value, so it must be reasonable. Loan is definitely not a simple sentence. Just go directly to the bank. It's that simple.
Not only the Civil Code has clear provisions on agency fees, but also it has long been stipulated in the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises. Let's continue to look at Article 46 of the Promotion Law:
The state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises, because only in this way can the management level of Chinese enterprises be improved! ! !
Through the above two documents, it can be confirmed that it is completely legal for SMEs and borrowers to seek "financing services" from service organizations, which charge reasonable service fees and provide legal support!