But to tell the truth, the industry contact in the past decade, whether it is industry, lending institutions or loan groups, has experienced various ups and downs. I shared it with you through the article, and everyone contacted the loan. I hope my sharing can provide you with some useful value.
Today, I would like to share my own experience and feelings with you.
I still remember that when the credit loan salesman who made Ping An Easy Loan first went to promote it, it was 20 10 in Suzhou. In order to get customers, we often go to neighboring counties, and Suzhou county is also among the top 100 counties, but at that time, we were often questioned by customers. "There is no mortgage, no guarantee. Are you kidding? I don't have to give a loan if I take the house as collateral to the bank. " This is the portrayal at that time, and we earned customers' profits by deducting premiums. Now it's a regular loan. Haha, so, Ping An Pratt & Whitney can really be called the originator.
At that time, there were no special products on the market, and there was a good credit product behind the credit category. At that time, Ping An was eliminated and lost credibility, so it was not optimistic, but now the credibility has developed very well and has been listed. Mortgage is a product of banks. Intermediaries in the market are purely mortgage and reverse loan products of banks. That's quite harsh, because the information gap is too opaque and the market competition is small. I remember a colleague made a bad loan of 5 million yuan and even charged a service fee of 500 thousand yuan. Divided among four people, he took 6.5438+0.5 million. He got 654.38+00 points and earned nearly 654.38+00,000. . . It seems incredible now. If you are called the police, you must go in. But it was true at the time. I witnessed this colleague/kloc-0 earn nearly 10 million a year.
Later, at 20 12, I returned to Zhengzhou. I came back to understand Zhengzhou market at that time. Only then did I know that Zhengzhou had just experienced a wave of looting by guarantee companies. After careful understanding, I am glad that I didn't come to Zhengzhou two years earlier. Crazy to the point of national financial management, Jingsan Road is called Financial Street, which is actually a guarantee company. It happened on 12, which was quite depressing. I've been watching. I also went to Yixin for 3 months in the middle, and I felt similar to my previous job, so I came out.
It was not until 20 13 that he entered a company through his peers. This company is small in scale, with five salesmen, mainly engaged in real estate loans, but its products are quite wild. As long as you have a house, whether it's a real estate license or a house purchase contract, you can lend it to you, and you only need to sign a two-page contract, and the money will be transferred to you within 10 minutes. The biggest one I have ever seen has turned over 565,438+10,000. This is what we don't know about usury. At that time, many people in Zhengzhou did this. Although there are not many people under our boss, 500 million people pay him. The loan interest is as high as five thousandths of the daily interest, and the interest must be deducted first, and it is only borrowed for one month. The customer of 565,438+10,000 took the room book of 15 in the company and deducted his interest of 900,000 yuan a month. I really lamented that poverty limited my imagination.
The good times didn't last long. I haven't done it for three months The boss was stopped by the police because the apprentice imprisoned the customer. Fortunately, I wasn't in the company at that time. . . Since then, I also know that this loan is still illegal.
20 13 and 14 loans are private real estate loans. At that time, there were two fires in Zhengzhou market, one was marine real estate and the other was Xinzhicheng. Then they all disappeared for various reasons. You can search by private mail if you want to know, and you should still be able to find it. I won't go into details.
In the past two or three years, P2P companies like CreditEase have mushroomed and reached their peak. 13 and 14 years, there were nearly 3-40 so-called small loan companies (P2P) in Zhengzhou market. Because they are all of the same scale, people in the industry are used to transferring orders, and a special intermediary industry has emerged, that is, according to industry experience and personal connections, it can operate loans from small loan companies with a loan of nearly 10 or more to help customers borrow more than 500,000 loans.
In fact, during this period, many customers did not have a basic understanding of loans, but were at a disadvantage when they needed money. Apart from banks, there is only P2P on the market. The bank's loan threshold and service still shut out many customers. This has led to the huge market demand and rapid rise of P2P. At present, the country's cliff-like ban on P2P is also attributed to the lack of a good system to regulate development at that time.
20 15 is a difficult year for me as a loan intermediary. At that time, I was mainly engaged in merchant credit loans, and the P2P interest rate was too high, so we didn't want to recommend it to customers. What I do is credit loans from commercial banks such as Guangfa Bank and Minsheng Bank. However, due to the loose products, a large area of overdue. Many products began to stop production. At that time, there were dozens of large and small wholesale markets in Zhengzhou, and the merchants in them only needed to get a credit loan of 200,000-500,000 from a banking institution. Some customers don't need direct credit from the bank. If books are kept for a long time, businesses will be tempted to use them. Nowadays, many businesses that rely on loans to support loans also complain that the bank's money used to be too easy to borrow. I don't know where to use it after using it. As soon as these products stopped, the company had no good products and turned to the market of large credit cards.
Later, at the end of 15, consumer finance went public, followed by two years of fiery consumer finance. 16 years, was introduced into a consumer finance cooperative by friends.
Let's call it a day. 10 years of experience and understanding can't be written once or twice. Interested friends can pay attention. I will update it every week.