I can't borrow money from the bank myself, but I don't have to go through an intermediary. Why?

If you can get a loan from an intermediary, you can get a loan from a bank. Perhaps, many friends will deny this sentence, thinking that it is difficult to get a loan from a bank, but it is much easier in an intermediary institution, and it can also be considered as an "old man". But in fact, the information and situation of intermediary loans and bank loans are almost the same.

In 20 15, when I was still doing business, I met some intermediary lending institutions through friends. At a dinner party, everyone drank too much. These friends began to feel a little confused and began to disclose the inside story of the industry to us. Just say: It's really much more convenient and simple for ordinary enterprises to borrow money from them, because our service is of higher quality, on call, and they are very congenial, so we will tell them what to prepare for the materials they are required to prepare. Therefore, enterprises are willing to pay more money than bank loans because our service quality is good and problems can be avoided. In fact, we put these materials in order and borrow money from other institutions through packaging. The way to review and consider is actually the same. You can withdraw money from us, but in fact you can withdraw money from the bank.

Later, when doing business, friends from the bank also had contacts, and other intermediaries also had contacts. I found that it is not that bank loans can't come down, but that some bank loan processes and required information are difficult for ordinary small and medium-sized enterprises to understand and prepare, so it feels particularly difficult. They are embarrassed to keep asking the loan manager, so they can only bear it. What about the intermediary? Because the loan interest rate is higher than the bank interest rate, both the service personnel and the company can make profits, and the natural service quality is higher, so that the lender can get the loan in the fastest way.

Many friends, after encountering difficulties, always want to "go through the back door" and are willing to find an intermediary. In fact, the interest rate of intermediary loans is generally 2%-5% higher than that of banks, which is obviously uneconomical. If you can borrow from an intermediary, you can generally borrow from a bank, and you can get a second recovery at a time. Run a few more times when you start a loan, and you will naturally get used to it later.

I am engaged in financial services, which is more suitable for answering your questions.

If you go to the bank to apply for a loan yourself, it is only a matter of time as long as your information meets the requirements of the bank's loan product audit. However, if it fails, you can explain through a financial intermediary that you have not understood the requirements of the credit manager for your business products well and have not provided credit information that meets the audit requirements.

1. Financial intermediaries can help explain that your credit information has no material impact. If it is really a blacklist customer with serious overdue, it is useless to be a financial intermediary unless the form is changed to a borrower, which is a change of thinking;

2. The credit information is well prepared, and the choice of bank is different. Any bank has a standard for auditing customers. The biggest advantage of financial intermediaries is that they are very familiar with the loan policies of various banks and have seen many cases. When you prepare the information in front of them, they can quickly judge the qualifications through the information, and then draw the conclusion of which bank product you are suitable for, and then improve the credit information according to this product to meet the bank's audit conditions, so naturally you can pass smoothly;

3. Communicate more fully to help customers recognize the pass rate. Financial intermediaries and banks have many years of cooperation experience. Familiar credit managers have a certain understanding of the risk control of financial intermediaries. Financial intermediaries with strong risk control ability will judge the real risks of customers and only do those customers who can do it. Therefore, the pass rate of offline approval cases recommended by brand financial intermediaries is very high;

4. Professional financial intermediaries can not only help you examine and approve cases, but also choose financing schemes according to your actual situation, saving you interest and loan time. Many people only see the financial service fee and don't understand the advantages of professional financial services. Individuals are always groping for the processing time, but professional finance takes a look at your credit information, then exchanges the actual situation of customers, and quickly judges which bank it is, what it is like, how to provide information, approve and lend money quickly, but individuals don't know all the links and how to operate it. In the end, it will not only delay time, but also fail to meet their loan expectations. The financial plan provided by the intermediary will save you interest costs. For example, in a certain period of time, both Everbright and Ping An made the same amount of consumer loans, but the interest rates were very different and the approval conditions were very different. Choose a bank with low interest rate to let customers pass smoothly. Intermediary can save money for customers far more than financial service fees.

Personal gold business belongs to batch business. Professional financial intermediaries can not only help customers professionally, but also provide bulk business for banks professionally. The advantage lies in the process of cooperation, not the simple smuggler relationship. Professional people do professional things, and hope that more and more financial service personnel will learn more and arm themselves with professionalism; I also hope that more and more customers can believe in professional success, enjoy professional financial services and benefit from them.

The world needs neither truth nor reason.

The reason is actually very simple.

As a bank employee, I actually have some say.

Believe it or not, because the answer is not what you think at all.

The main reason for this situation is information asymmetry.

As a traditional financial industry, banks have too single channels to obtain customers. But at the same time, the tasks of grass-roots employees are too heavy, coupled with harsh supervision and unreasonable distribution system.

In fact, it is still difficult for banks to obtain an excellent loan customer.

In this case, in order to complete the task, a branch will choose to cooperate with the intermediary, who is familiar with the process. In fact, customers can also get loans directly from banks.

In addition, these intermediaries have no supervision, their methods are generally dirty, and they package themselves omnipotent. Moreover, bank employees sometimes can't make promises and talk nonsense.

Let me give you an example. A very good friend of mine wants to buy a shop recently, and the difference is more than 654.38+0 million. For nearly a month, he has been contacting me to discuss the loan. Suddenly one day, he sent me a message saying that an intermediary contacted him and could provide him with credit loans from three banks on condition that he would raise 2-3%. He looks like an incredible person, including our bank.

In fact, the method used by the intermediary is also very simple, that is, applying for credit loans from these three banks at the same time and using the time difference of credit information to deceive the banks.

I smiled at that time and said to my friend, brother, this matter is too risky. A year later, when the loan expires, will these intermediaries still take care of you? When a bank with strict audit sees so many credit loans from you, it will be cut off if it can't guarantee them. At that time, it could suffocate you alive. And most importantly, you can do these things without looking for an intermediary. Besides, aren't we talking about it for so long just to save money and interest? If you spend 2-3% more now, you might as well borrow money directly from the private sector.

At that time, I recommended several banks that could apply for loans online, so I didn't have to apply myself. Why bother?

In addition to the above reasons, collusion is not ruled out. But this kind of situation is rare, and it will definitely be an example. There is a simple reason. There are too many people in charge of a loan, and it is impossible to risk being fired for the benefit of one person. Secondly, the entry threshold for bank employees is still relatively high. Generally, they are full-time undergraduates, and most of them are principled people.

The past recruitment model of the banking industry has indeed brought great negative effects to banks. However, today's banks are not what they were decades ago. Some people spray the bank, but they may not have entered the bank lobby in recent years. With the inherent impression, if something goes wrong, spray the bank. In the future, more and more people will understand that a bank is just an ordinary enterprise, and then a group of ordinary college students will work in it.

I got a loan, and I answered this question objectively!

Normal bank loans are made through channels, because customers have different qualifications, different preparation materials and different precautions, which may cause customers to run many times or fail, and finally lead to complaints! So the bank threw this business to the intermediary. This tedious problem is solved by middlemen for customers. Different customer qualifications, different banks and different lending products. The intermediary helps you submit the materials, pass the preliminary examination, prepare the materials, and go to the bank to sign the loan! You can also earn a handling fee from the middle. This is also legal!

The most important thing in this link is the issue of credit reporting. Banks require different credit reporting standards. He may not understand these explanations to customers. After all, the customer is not professional, so throw it to the intermediary, and he will explain to the customer whether it can be done, and the customer can see at a glance!

Of course, if your qualifications are very superior, you are a vip tired customer in the bank. For example, large deposit customers, such as large customers, such as high-quality asset customers, such as large taxpayers, this bank will directly find you or contact you through background big data to ask if you have corresponding needs. I'll handle it myself. You just have to wait for the money to arrive!

Therefore, there is a saying in the industry: banks are not short of money, but lack quality customers! The bank has many low-interest loan products waiting for you! So, work hard! Try to make yourself or your own business become the god of wealth of the bank, and then such a problem can be solved!

First of all, I have two years of lending experience. Why can't you go to the bank to find an intermediary to lend money?

First of all, we must understand the necessary conditions for loans.

What kind of people can make bank loans, that is, what are the necessary conditions for making bank loans? The full amount of the house or mortgage, the full amount of the car or mortgage, the payment base and period of the provident fund, the amount and time of punching, and the amount of legal person running water? Do you pay taxes? Tax grade and so on.

Second, we should know the conditions of credit investigation.

Your debt situation, your overdue situation, your inquiry situation, your loan number (sub-bank, consumption, small loan, online loan), credit card number and utilization rate.

Third: according to the requirements of the understanding bank

Here, the intermediary has all kinds of information and knows a lot. According to the first and second conditions, you can quickly know which bank you can apply for a loan, because each bank has different conditions, such as credit card use requirements, inquiry requirements, overdue requirements, provident fund base requirements and so on.

When you blindly go to the bank for a loan, you may meet the requirements of the Agricultural Bank, but you can't get a loan when you go to the Construction Bank. When you try the Agricultural Bank one by one, you don't meet the requirements, and your inquiry may exceed the credit information.

So what the intermediary can do is to be fast, accurate and stable, see that your situation matches the bank directly, and then you can do it directly.

Fourth: the problem of preparing materials.

For intermediaries, knowing each bank will definitely know the materials they need to lend money, which are necessary and which are supplementary, and more importantly, they will know which are extra points and which are not required to be provided, and so on. Apply directly to the bank when the materials are complete, so you don't have to run around because the materials are incomplete.

Fifth: communication problems.

For customers, you belong to the bank. If there is a communication problem, you can borrow money, but you can't borrow money. For intermediaries, they introduce customers to banks every day, so there are many customers. As long as there is no hard shortage, you can communicate with them.

Sixth: risk.

As I said before, it is a personal act to go to the bank for a loan. If you don't pay it back within the time limit, the account manager will deduct your salary and get the money back. If it is serious, it may be necessary to stop work and not do business, unlike intermediaries. If the customer is overdue, the account manager will find an intermediary. Let the intermediary contact the customer to deal with overdue debts. If it has not been handled yet, the intermediary will pay the overdue debt for one month to ensure that the account manager will not stop working.

The above is my accumulation and understanding in the loan industry. As the intermediary said, the bank is just across the street. If you want to stop, that's why.

First of all, you don't understand bank policies and information, and the intermediary can do it at once. Do not delay the time of bank staff.

Secondly, you should understand China's 5,000-year-old heritage culture.

There is a great mystery in this matter. Some cases are reasonable, and some are directly illegal. We can carefully analyze why it is difficult for some individuals or SME owners to directly approve bank loans, but it is relatively easy to approve them through so-called intermediaries. This is a real phenomenon.

1. Professional vs. amateur, expert vs. foreign trade, one is accurate and the other is accurate. Most of us have no professional financial knowledge. In fact, when applying for a loan from a bank, we don't know much about the required materials and processes and the risk control principles of bank approval. Sometimes it is easy to prepare the wrong materials, say the wrong words and express the wrong attitude when applying for bank loans independently, which leads to the failure of bank loan approval. But finding some professional intermediaries is different. They may know the bank's internal loan policy, know how to apply for application materials, and communicate with bank loan personnel professionally. So that's the value of intermediaries, but it also costs extra.

In fact, banks also like to deal with some intermediaries, because it can save the bank's own manpower, material resources and various inputs. Think about it. When faced with a borrower who doesn't understand credit, the bank's credit personnel need to spend a lot of time. If there is an intermediary at this time, the bank can save all these investments. Similarly, banks also want to do business in batches and don't like personal loan applications. The purpose of bulk loan can be achieved through intermediary.

3. There are also some government-supported intermediaries, such as financing guarantee companies, which can enjoy some preferential policies in the face of small and medium-sized enterprises or some personal loans. At this time, business owners or individuals who fail to meet the bank loan standards can successfully apply for loans, but at this time, various credit enhancement measures are needed. The intermediary bears part of the risks, and the government gives support in the back. Banks can relax loan conditions for individuals. This is the important role of some intermediaries in the projects supported by the government at present.

But now many intermediaries have gradually changed their tastes and their roles have completely changed. Originally just a role of help and support, it has now become a role of sweeping or controlling loans. Banks have become providers of funds, and borrowers have become clients of intermediaries. This is very dangerous, because in it, the intermediary will do a lot of illegal things to make high profits, which hurts the borrower on the one hand and the reputation and credit of the bank on the other. This is the case with the so-called loan-helping companies and loan platforms when Internet finance emerged in the past two years.

5. Many online loan borrowers bear the interest rate cost as high as 36% or more, thinking that the bank is collecting. Later, I got the loan contract and found that the bank only charged less than 10% of the loan cost, and the rest was earned by these online lending platforms. However, due to the relevance of business cooperation between banks and these online lending platforms, banks are also miserable. Therefore, at present, the regulatory authorities crack down on such violations and require banks to do their own risk control. Banks are the controllers and risk managers of the whole personal loan business. Including collection.

In the Interim Measures for the Management of Online Loans of Commercial Banks, which was just implemented in 2020, intermediaries were strictly limited. Let the intermediary agencies resume their roles, which is only an introduction and initial assistance. Everything else is done by the bank, otherwise it is a serious violation. In this case, how much commission can the intermediary earn? In fact, the handling fee within 2% is reasonable, and more than 2% is profiteering. Why according to this standard? We can refer to the charging range of real estate agents to understand. In fact, this space is big enough.

Think about how incredible it is that intermediaries can even earn more than 24% net profit in the past! Banks should also learn a lesson, don't give up their duties to save trouble, and finally fall into the embarrassing situation of being punished by supervision.

# Wealth Management Competition Season 3 #

I can't borrow money from the bank myself, but I don't have to go through an intermediary. Why? In fact, there are several aspects to this problem:

Processes and materials: As we all know, bank loans need to go through some processes, which will include some preparatory materials and related procedures. If these are purely personal arrangements, I am afraid it will take many trips to the bank to complete them, but the intermediary is different. Intermediaries can be said to have gone through these procedures and processes many times, and practice makes perfect. The intermediary will tell the customer what to prepare for applying for a bank loan from an individual, and the customer only needs to hand over the materials to the intermediary.

Survival relationship: personal loans need some relationships if they want to borrow from banks, but intermediaries are different, and the relationship between intermediaries and banks is deeper. In fact, these are all directions that everyone knows, so I won't talk about them separately here. Then the intermediary helps the individual to handle the loan business through familiarity, which is still related, which can fully explain that the relationship between banks and individuals and intermediaries is different.

In fact, the ultimate reason is business proficiency. What we really need to know is to understand the business process and some matters needing attention in handling bank loans. Only when individuals understand these things clearly can they reduce some unnecessary environment, and the rest is the speed of bank lending. You need to do some work here if you want to get a bank loan quickly. If you don't hurry to the bank for a loan, you need to wait patiently here!

Relationship, interest!

I can't borrow money from the bank, but it's effortless through the loan intermediary. Three reasons must be clear.

I often encounter similar problems. Why is it difficult to get a loan from a bank but you can get the same qualification through a loan intermediary?

There are more and more cases of lending through loan intermediaries. There are normal reasons, abnormal reasons, banks, banks, loan intermediaries and other reasons. To sum up, there are three main reasons:

The first reason is that many loan applicants are interested in borrowing money. How to provide information? And how to submit the loan purpose and loan contract in the process of handling the loan? Such a situation is unfamiliar or troublesome, and it is of course difficult to apply for a loan.

Applying for a loan requires a lot of clear loan requirements, including the loan information necessary for submitting a loan application. Many people find it particularly troublesome, and many people simply don't know how to deal with it.

Bank loan applications need to be clearly used and in line with policies. Some people simply don't know that there are policy restrictions, and they don't know that they have to say this. For example, loans cannot be used for stock trading, investment, wealth management and so on. , but also to submit all kinds of materials, bank accounts, work certificates, income certificates, family property, guarantors, mortgaged assets, etc. Some people don't want to tell their families when they apply for a loan, so it is naturally difficult to pass the loan. Some people have no clear purpose for the loan, some people don't want to provide proof of income and work of the company, some people don't want to talk about their family situation, and some people don't have a loan plan or repayment plan, so the bank can't make a risk assessment and judgment on your loan application at all, and it is naturally difficult to pass the loan approval.

Many people complain that it is too much trouble to apply for a loan. Some people think I'm just applying for a loan. Do you want to check the overall situation of my family? Is it unreasonable and unfair? Some people are full of lies and nonsense when facing the investigation of bank personnel, but they often blame others for the loan failure.

Through intermediary, you can save a lot of detours and know how to prepare loan application materials. This is the advantage of loan intermediaries, and it is also the reason why some people look for loan intermediaries to handle loans.

The second reason is that some loan intermediaries do have extensive contacts with loan banks, so it is easier for them to apply for loans according to the types of loans you apply for and the types of business, of course, than to handle loans yourself.

In reality, there are indeed some loan applications rejected by banks, and those who successfully apply for loans through loan intermediaries have both normal and abnormal factors.

The normal reason is that, objectively, financial loan intermediaries have indeed played a role in helping loans and increasing credit in the process of loan application. For example, third-party institutions provide credit enhancement and loan assistance to loan customers. By introducing various guarantee companies, it actually provides guarantees for the approval and repayment of bank loan applications. Guarantee companies play a decisive role in the approval of loan risk control and bank risk control, which is an important reason why banks can't lend directly or improve the loan pass rate after being rejected.

Similarly, some loan intermediaries will also introduce insurance companies to increase the credit of loan applications when handling loans. At this time, the insurance company actually provides insurance protection for bank loans. Some applicants who do not meet the requirements of bank loans can of course get loans from banks because the loan intermediary introduces insurance companies.

Some loan intermediaries will show off their cooperative relationship with various loan banks, which is not entirely boasting, because each loan intermediary has a group of banks that cooperate in business, some loan intermediaries' staff are out of the bank risk line, and some loan intermediaries have signed cooperation agreements with some banks. What are the credit uses that the Bank strongly supports and develops? So as to apply for loans in a targeted manner. Because every bank has its own loan tendency, for example, some banks vigorously develop housing mortgage loans, some banks vigorously develop second-hand housing loans, some banks vigorously develop education loans, some banks vigorously support shop loans, and some banks vigorously expand private entrepreneur loans. If you apply for a loan in a targeted way, you will get twice the result with half the effort. If the bank loan you apply for is used for loan projects that the bank does not support or even compress, of course, you will not pass.

The third reason is that some loan intermediaries defraud bank loans through various improper means and fraudulent means and charge high fees, which is worthy of vigilance.

Although it is simple and convenient to handle loans through loan intermediaries, it will also improve the approval rate of loans, but it will also face some problems that need to be paid enough attention to:

First, the loan intermediary will charge a certain fee to increase your loan cost. Nothing for nothing. Although the loan intermediary provides you with services, it is for the purpose of collecting fees after all. Therefore, applying for a loan through a loan intermediary has to pay a certain loan cost. Some loan intermediaries charge very low fees. I hope to choose carefully.

Second, in order to improve the loan pass rate, some loan intermediaries will also introduce loan-assisting institutions such as guarantee companies or insurance companies. Although these lending institutions have improved the efficiency of loan approval, they still charge fees, and some of them are still relatively high. Therefore, after some loans pass through loan intermediaries, the fees of various loan intermediaries and lending institutions are higher than the bank's loan interest rate.

Third, in order to improve the loan approval rate, some loan intermediaries will forge various materials to improve their loan ability, such as bank fraud, professional fraud and even income fraud. Although your loan was passed after these materials were tampered with, once it was discovered by the bank, it may even form the crime of loan fraud.

Fourth, some financial loan intermediaries over-package and provide false loans to loan applicants in the process of handling loans for customers, thus packaging unqualified borrowers into qualified lenders, which is actually suspected of loan fraud.

Fifth, when financial and credit intermediaries apply for bank loans for customers, there may be various arbitrage behaviors and various illegal behaviors, which not only damage the reputation of banks, such as usury, high-interest loans, illegal routine loans and beheading. Even if you apply for a loan through a loan intermediary, you will fall into various loan traps and cannot extricate yourself.

There will be some benefits objectively through the loan intermediary, but the existing problems can not be ignored, which is a problem we must face up to. (Qi Jian)