Yesterday, the 6th page of Qianjiang Evening News launched an hourly survey "Who the hell wants to lend me money?", which revealed the reason behind the loan text messages we frequently receive: mainly that loan intermediaries obtain customer numbers through various methods and push them. and marketing.

  Most of these loan intermediaries have neither loan qualifications nor contracts with banks. They are scattered in office buildings, large and small, but few people notice them.

  Since banks can provide loan services to customers, why do these loan intermediaries exist?

Why doesn't the bank stop the loan intermediary's short message marketing in the name of the bank?

Since most people find such loan text messages unbearable, why do loan intermediaries still have a steady stream of customers?

  After interviews and investigations by reporters from Qianjiang Evening News and Hourly News, they found that the relationship between some commercial banks and loan intermediaries is like the two auxiliary wheels of a bicycle, maintaining the operation of large-amount loan business.

The loan manager of the bank is under the pressure of large loan indicators, and the loan intermediary is eager to find customers with large loan demand, and the main lender (loan customer) does not mind giving the intermediary a formalities after getting the loan from the bank. fee, so that both sides get a share of the pie.

Origin

Self-employed and small business owners need large cash flow

  If you want to trace the time when loan intermediaries frequently emerged, it can be said that it has nothing to do with the appearance of real estate speculators.

"In the past, most of our customers were real estate speculators. With the regulation of the real estate industry in the past two years, customers began to have some self-employed and small and medium-sized enterprises." A loan intermediary told reporters.

  Wang Qing (pseudonym), the owner of a shop in Sijiqing, successfully loaned nearly 1 million yuan in cash through this loan intermediary.

Affected by various circumstances, Wang Qing's cash flow, which was not sufficient, was completely broken.

In desperation, Wang Qing thought of selling the house.

A friend told him that it is better to mortgage the house, get a sum of money, and then repay the loan when the funds are returned.

So, Wang Qing found the loan intermediary by searching for "direct bank loan".

  "He said that my credit report is good, and that I can get a loan of 1 million yuan by only charging me 2 points." Wang Qing said that the loan intermediary recommended different mortgage loan plans from three banks for him. "Some The interest is high, and some lend quickly." Wang Qing finally chose one of the commercial banks to get the loan.

  The reporter's investigation found that looking for customers like Wang Qing is the reason why loan intermediaries send harassing text messages in large quantities - "packaging" for such customers, so that the materials they submit can meet the bank's regulatory requirements.

  Compared with small loans, large loans have higher qualification requirements for customers.

The reporter called a loan intermediary agency and asked if he could lend 1 million yuan from the bank as an ordinary office worker.

The loan intermediary told reporters: "If you don't have a house, you can't get a mortgage loan; if you want to take a credit loan, you don't have a credit card repayment record, and you haven't borrowed a loan. This money will definitely not be loaned from the bank, but we can Do your best."

  The loan intermediary provided reporters with two options: one is to borrow a sum of money through "borrowing" and then repay it, as long as there is this record on the credit report, you can go to the bank for a loan; the other is to apply for a credit card, but longer time.

"When the time comes, redo your work certificate and make your paycheck a bit higher," he added.

  The "do it" mentioned here refers to forging some materials to help the lender meet the loan conditions.

This is the bulk of the loan intermediary business.

Of course, there are some lenders with sufficient qualifications, but because of the complicated procedures required to apply for a loan, and the need to weigh the policies and interest rates of various banks, they simply spend some handling fees and let the loan intermediary help them solve these troubles.

motivation

Bank loan managers woo loan intermediaries to complete KPIs

  If the lender goes directly to the bank for a loan without going through an intermediary, what process is needed?

  The reporter contacted a loan manager of a commercial bank and asked if he could make a mortgage loan.

The other party asked the reporter's bank card status, whether he had a business license, how many years the business license was, and how his credit was investigated, etc., he recommended a loan intermediary for the reporter - he only said: "Some of your qualifications may not meet the bank's qualifications. condition."

  Why do loan managers refer door-to-door customers to loan intermediaries?

In this regard, the reporter consulted three loan managers, one working in a state-owned commercial bank and two working in a joint-stock commercial bank, all of whom are engaged in loan business.

One of the managers, Li Tang (pseudonym), revealed that in some cases, it is inconvenient for the loan manager to tell the customer explicitly - "You can't tell the customer directly, some materials can be 'touched'. As for the rest, leave it to the intermediary. Do it." Li Tang said.

  The reporter's investigation found that the main business of different banks is different. Banks that take loans as their main profit point, bank account managers and loan intermediaries will establish a good business relationship.

  Some banks will enter into agreements with loan intermediaries in which the bank pays the loan intermediary a commission, and the loan intermediary provides the bank with customers, but such agreements stipulate that the loan intermediary is not allowed to charge the customer again for service fees.

  But in fact, the commission paid by the bank to the loan intermediary is not high, and the main profit point of the loan intermediary is still the handling fee for the customer's loan.

  Another bank loan manager, Zhang Chao (pseudonym), revealed that, as a team leader, he is burdened with large loan quotas suppressed by the bank every year.

"If we only lend to the most qualified customers, then our task is far from being completed. Therefore, for the materials packaged by the loan intermediary, unless it is particularly outrageous, we usually help to submit them for approval." Zhang Chao said.

  This year, the annual indicators of lending have increased, but the policy has remained largely unchanged.

Under such conditions, Zhang Chao and others became more "dependent" on loan intermediaries.

They will also allow loan intermediaries to call themselves "the loan manager of such and such bank" to facilitate their promotion and sales.

  According to the above-mentioned sources, among them, it is inevitable that there are loan managers who have received the benefit of the loan intermediary, and then give the customers of the loan intermediary the special approval procedure of the bank to help the customers get large loans more conveniently.

follow up

Why do loan intermediaries "burn out, blow and grow again"

  Customers rely on loan intermediaries to provide services of information and packaging materials, and some banks' loan business relies on customers brought by intermediaries, which leads to loan intermediaries "burning out and blowing again".

  So, for such a loan intermediary industry, how does the regulator regulate and manage it?

  In April 2020, the China Banking and Insurance Regulatory Commission passed the Interim Measures for the Administration of Internet Loans of Commercial Banks.

The reporter noticed that Article 51 of the Measures mentioned that the cooperative institution promises to cooperate with the commercial bank to accept the inspection of the banking supervision and management institution, and provide relevant information and materials.

That is to say, if commercial banks have signed agreements with certain loan intermediary companies, the CBRC has the right to supervise them.

  "With this regulation, banks will not easily sign written agreements with loan intermediary companies. They only have private transactions between salesmen, so even if something goes wrong, the bank will not be involved too much." A senior banking industry practitioners revealed.

  The reporter consulted the Zhejiang Provincial Banking Regulatory Commission on relevant issues. A staff member told the reporter that the scope of supervision of the CBRC is only for banks. If bank staff members have irregular operations in the loan process, they can report to the CBRC and they will investigate and deal with them. .

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