Talk about: Why do loans need intermediaries?

When banks monopolized the credit industry in the past, there was no shortage of customers. Everyone asks for a bank loan, so it's natural to be melodramatic. As a result, banks only choose big customers or high-quality people (saving troubles and risks), and others can't enjoy bank credit services. Later, the country thought that to enrich the people and strengthen the country, tens of millions of small and micro enterprises were needed to stimulate the consumption of more than one billion people, so grandma forced banks to cover those they didn't want to accept. But at this time, the number of banks is increasing, and with the entry of new lending institutions such as small loan companies, everyone has to compete for limited quality customers. How can we take care of small and micro people? If we expand the scale of operation, it will inevitably lead to the increase of manpower, management and other costs, and bankers naturally do not want their profits to be affected. Therefore, the role of loan intermediary came into being.

The cooperation mode between banks and intermediaries is very simple: banks launch loan products, and cooperative intermediaries conduct preliminary examination on the qualifications of borrowers according to their requirements, and only those that meet the requirements are standardized and submitted to banks; At the same time, the process services such as house notarization and mortgage for other rights are also outsourced to intermediaries, and intermediaries receive corresponding commissions and service fees. In this way, the cost of bank approval and management is greatly reduced and the efficiency is improved; Small and micro customers have more loans, and the bank has also explained it to Yang Ma. This model supports a large number of intermediaries and can help the government solve the employment problem by the way.

For borrowers, choosing an intermediary to handle loans has three advantages.

1. At present, there are many kinds of loan products on the market, but borrowers do not know this information, so it is easy to apply directly to an institution because of qualification problems. On the contrary, the intermediary will generally cooperate with many institutions. If this one doesn't work, you can change to another one.

2. An excellent intermediary can not only help borrowers to get loans, but also comprehensively analyze their needs and qualifications, make customized plans for suitable borrowers, and reduce loan costs in terms of money, time and energy. Therefore, for borrowers with high capital turnover frequency, such loan consultants are needed around them.

Intermediaries (especially companies that have been doing business for many years) have a lot to do with lending institutions. They have enough experience to understand the rules of lending institutions, and they can reasonably use the rules to help borrowers improve the loan approval rate.

Intermediaries can be divided into companies and individuals. Generally speaking, lending institutions will choose to cooperate with intermediary companies, which is more conducive to standardized channel management. Individual intermediaries will "contact" with the credit manager within the lending institution (this is the so-called special relationship or channel), or introduce the customer resources to the intermediary company (so that the borrower will be transferred twice). As long as it is an intermediate business, there will be the risk of being routine. Relatively speaking, large intermediaries are more reliable.