What company does Shenxiang Bank provide loan assistance?

A loan company is a company that provides support and help for the loan business of a lending institution. Services: investment management, investment consulting (except those required by laws, administrative regulations and the State Council decisions). , obtain relevant approval documents in accordance with the law before operating); Enterprise management consulting (excluding restricted items); Enterprise planning; Economic information consultation (excluding restricted items). Financial information consultation, providing financial intermediary services, and accepting financial outsourcing services entrusted by financial institutions (if laws, administrative regulations and the State Council decisions require approval, they can only operate after obtaining relevant approval documents according to law); Relying on the Internet and other technical means to provide financial intermediary services (if approval is required according to state regulations, it can only be operated after approval); Enterprise credit collection and consultation.

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Helping loans has two sides. On the one hand, loan assistance is the main link between bank funds and Internet platform traffic, and it is also the core driving force of retail transformation of commercial banks in recent two years. In a sense, without loan assistance, the retail transformation of banks will not succeed; On the other hand, the development of loan assistance has deepened the division of labor in the financial industry chain and will gradually blur the boundary between finance and non-finance. At that time, the license supervision on which the supervision depends will suffer a fundamental impact. In terms of loan management and control, in principle, banks are not allowed to outsource the core risk control links, and lending institutions should be required to disclose the necessary risk control data to lending financial institutions.

This article deals with the issue of license supervision. The effectiveness of licensing supervision is based on the clarity of licensing business boundaries. Supervision prohibits licensees from outsourcing core risk control links, which involves the boundary issue of lending licenses.

Helping loans is the external manifestation of division of labor and deepening cooperation in consumer finance industry. It can effectively improve the optimal allocation of resources and enhance the efficiency of financial institutions in serving the real economy, which is an irreversible trend in the development of the financial industry. It is easy for regulators to ban lending, but it is difficult to reverse this trend. A trend is a trend because it is always irreversible. If loans are prohibited, more varieties of "helping loans" will inevitably appear. In the short and medium term, the correct approach may be to regard loan assistance as a neutral tool, not using tools but prohibiting the abuse of tools. In the long run, the trend has dispelled the effectiveness of license supervision, and the premise of conforming to the trend is to get rid of the framework of license supervision as soon as possible.

Lending companies are mainly aimed at some reputable enterprises. Because the loan is due, they can't repay it on time and need to go through the formalities of "crossing the bridge" with the bank. Such companies provide financial guarantees or direct investment funds for enterprises. At the same time, in view of the fact that the enterprise's capital demand is more than 300,000 yuan, and the undertaking bank is slow to handle the formalities of real estate mortgage, this type of company adopts the form of equity pledge to register the equity held by its shareholders in the industrial and commercial department where the enterprise's industrial and commercial business license is registered. In fact, it is.

Cooperative model of helping loans

The business model of lending institutions is relatively simple. Lending institutions collect a certain number of customers through their own customer acquisition methods, and match the needs of borrowers with a variety of products through professional knowledge. The borrower chooses the corresponding products according to his own needs, and then the lending institution makes progress loans with the funder (usually a bank), and the funder evaluates the borrower's risks. Finally, they lend money to borrowers, and the loan company charges corresponding fees.