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 models gradually became like JD.COM in 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.