The deceptive routine of loan intermediary

"Unsecured, unsecured, regular company, same-day lending", "internal personnel, special channels, low-interest loans", "credit investigation, free handling, unconditional lending"? Once upon a time, all kinds of fancy advertisements of loan black intermediary spread through telephone, advertisement and internet, and unconsciously filled people's lives.

These advertisements take advantage of people's mentality of low interest rates and urgent need for loans, spread attractive promises under the guise of attracting attention, set up various loan scams and carefully prepared one pit after another. If you don't pay attention to distinguish, it is easy to fall into the "pit" and be deceived. The loan black intermediary not only disturbs the credit order, hinders the normal development of the industry, but also increases the financing cost and infringes on the legitimate rights and interests of borrowers, which needs urgent attention.

You didn't discuss the intermediary "pit"

Recently, the Second Financial Court of Nanchang City, Jiangxi Province tried a financial loan contract dispute case. He Mou, a 60-year-old man, borrowed 44,800 yuan from the bank, which was obtained by listening to advertisements. He spent 1 1620 yuan's agency fee. The court ordered He to repay the loan principal of 44,800 yuan and interest in full.

From July 2065438 to July 2009, he received a phone call from an intermediary company and learned that he could help with the bank loan after paying a certain percentage of the loan agency fee, and said that the loan could take the "green channel" to ensure the success of 100% loan. Because of his lack of funds for playing mahjong, his age and weak risk awareness, he agreed to help the intermediary handle the loan procedures.

Later, at the instigation of the intermediary, he signed a personal online consumer loan contract with a bank. The agreed loan amount was 44,800 yuan, the loan purpose was household appliances, the loan term was one year, the loan interest rate was 1.68%, and the monthly interest due was paid with the principal.

After the loan was issued, the intermediary helped He get the bank card and spent 9828 yuan on the card, telling He that the money was a one-time interest charged by the bank. He who was eager to borrow money to play mahjong didn't care. According to the ratio of 4% of the loan amount agreed by both parties, he paid the loan agency fee 1792 yuan through WeChat. So far, he has borrowed 44,800 yuan, and the agency fee is 1 1620 yuan, reaching 33 180 yuan. After he failed to repay the bank loan on schedule, the bank appealed to the court, demanding that he pay all the loan principal and interest and bear the litigation costs of this case.

The court held that the "Personal Online Consumer Loan Contract" signed by a bank and He Mou was the true intention of all parties and did not violate the relevant provisions of laws and regulations. This contract is true and valid, please confirm it. Where does a bank grant loans according to the contract to fulfill the payment obligations stipulated in the contract? He failed to repay the principal and interest of the loan on time as agreed in the contract, which constitutes a breach of contract and shall be liable for breach of contract. He argued that he actually got 33 180 yuan. First, because he took the initiative to hand over the bank card to the intermediary for 9828 yuan, and WeChat paid 1792 yuan, a bank was not at fault; Secondly, according to the relativity of the contract, the legal relationship between He and the loan intermediary and the financial loan contract in this case belong to two different legal relationships. Therefore, the agency fee for this loan does not belong to the scope of this case, but he can collect evidence and claim it from the agency alone.

Accordingly, the court made the above judgment according to law. After the verdict, he regretted it, and even said that he should not borrow money from the bank to play mahjong at will, let alone listen to the deception of the intermediary, and said that he would actively ask the intermediary for a refund through legal channels.

There are many loan intermediary routines.

"There will be some expenses during the loan process, such as insurance premiums, agency fees, license fees, hospitality fees, etc. Therefore, it is legal for some loan intermediary companies to charge agency fees. " According to the investigating judge, there are many "black intermediaries" and "illegal intermediaries" in the loan market. They are often full of routines and dig "pits" everywhere. They are not satisfied with charging high intermediary fees, but under the guise of attracting attention, they trick borrowers into wandering in gray areas, and even some loans int.

Credit information can be washed. The "black intermediary" lied that it can wash the credit information after paying a certain fee, which seems to open another "window" for some borrowers with bad credit information. However, that's just a beautiful lie woven by the black intermediary. In fact, human resources can't intervene except that the personal credit stain is automatically updated and eliminated by the system five years after the problem is solved. When users find bad credit records, it is the right way to deal with them actively and keep good credit records.

Fake "packaged" loans. "Black intermediaries" package and enhance customers' credit through various illegal means, so as to borrow money from financial institutions such as banks and earn the difference. In the end, the customer only got part of the money, but owed the bank a huge loan. Even if a few people succeed in packaging loans, it will not change the nature of fraudulent loans. Once found out, it will not only be blacklisted by the bank, but also the loan will be recovered, and it may also violate the criminal law with the loan intermediary.

False promises. Some promise to collect agency fees and packaging fees in advance, and directly pull the black road after collecting money. Some "black intermediaries" promise to lend to formal banks, which is actually high-interest online loans. In addition to paying the agency fee, the victim has to bear high interest. In fact, formal financial institutions will not charge fees in various names before lending.

Stay alert and keep your eyes open.

"Loan intermediaries are full of routines, and the industry has been widely criticized because of the chaos of' black intermediaries' and customers' incomprehension and distrust of the value of the industry. "The investigating judge said that in order to make financiers take fewer detours and solve the problems of difficult application, difficult approval, difficult payment, difficult repayment and difficult refinancing, it is the general trend to standardize, transparent and scale the loan intermediary industry. At the same time, it is imperative to eliminate the black sheep in the loan intermediary industry.

On the one hand, the loan intermediary industry should abandon the drawbacks left over from the past, build a professional, branded and standardized loan brokerage service organization, and reverse the stereotype of loan intermediaries in the public mind with the awareness of quality service and high-quality business ability.

On the other hand, to make the loan intermediary "reliable" requires both the hand of supervision and the sword of law. If the loan intermediary is suspected of violating the rules, it shall adhere to parallel supervision and legal norms. Those suspected of serious crimes should be severely cracked down and punished according to law, and the breeding ground for illegal loan intermediaries should be eradicated.

At the same time, it is necessary to strengthen the publicity of popularizing the law and broaden the channels of judicial relief. Guide borrowers to establish a correct consumption concept, remain vigilant, stay away from the "pit" of "black intermediary" of loans, and accurately judge their own economic affordability.

Have the ability to go to formal banks to handle loan procedures in accordance with laws and regulations, and lend reasonably according to one's ability. Once caught in the "black intermediary" loan trap, keep relevant evidence, and use legal weapons to recover losses by timely reporting to the public security organs and suing the court.

Related Questions and Answers: Related Questions and Answers: Is it reliable for intermediary companies to handle bank loans? As a special existence, intermediary companies provide convenient services for the majority of lenders. At the same time, some unscrupulous operations of intermediary companies also discredit the intermediary industry and bring confused losses to lenders.

First of all, analyze the advantages and disadvantages of intermediary companies:

First, the advantage analysis

1, the intermediary knows the industry information.

Intermediary companies specialize in loans, have a better understanding of the entire loan market, and master industry trends and policies. These are the information advantages that ordinary lenders do not have.

2. The intermediary grasps the loan channels.

Usually, intermediary companies cooperate with many lenders, and the channels of cooperation are extensive, which also provides more choices for the loan fever.

3, the intermediary process is faster, and the business process is worry-free.

Because intermediary companies are familiar with lending institutions and business processes, lending is faster.

Second, the disadvantage analysis

1, the intermediary companies are mixed.

Intermediary companies are difficult to supervise, and the supervision is not strong enough, which leads to such companies being mixed up, often wandering on the edge of the law, and becoming the interest transporters of banks and other subjects and the sharers of illegitimate interests.

2. Deception caused by information asymmetry.

Intermediary companies use information asymmetry to deceive lenders, resulting in high loan costs.

3. Agency fees vary.

Intermediary companies usually charge a certain service fee, but there is no uniform standard for service fees. Fees are arbitrary and discriminatory, just like buying clothes in the clothing market, there is often a situation of one person and one price.

Third, there are legal risks.

Intermediary companies usually help lenders "perfect" information to promote loans and seek their own interests, which is part of the reason for seeking intermediary loans, and of course one of the reasons why lenders are willing to lend through intermediary companies, because lending through intermediaries will give them extra buffer and may also have extra income. However, all the untrue loan information has laid a hidden danger for the follow-up, and the lender needs to think twice before acting.

Fourth, do you have to find an intermediary for loans?

In recent years, loans have also become a highly competitive market, with many suppliers and a wide range of choices for consumers, such as various formal consumer finance companies and formal online lending platforms, which are convenient and simple and can also be considered. Of course, some large loans still need to be solved through traditional channels.

To sum up, whether to find an intermediary for a loan is related to factors such as loan demand type and demand amount. If you are looking for an intermediary loan, you should pay attention to the industry brand and past integrity of the intermediary. These can be learned through the credit website and eye check.