It is legal, and the purpose of financial intermediary is to provide information services for both borrowers and lenders. Intermediaries operate loans, online loans and credit cards for customers, and then charge points fees. The financial intermediary industry is encouraged and recognized by the state. China Banking Regulatory Commission and China have also issued relevant notices: according to the provisions of the Civil Code implemented by 202 1, financial intermediaries are allowed to charge reasonable service fees, which means it is legal now, but the Civil Code stipulates that service fees are not allowed to exceed the bank loan interest rate. For example, if the monthly interest rate of a bank's credit loan is 0.88, and the annual interest rate is 18.96%, then the service fee charged by the financial intermediary shall not exceed 1.9, which is illegal. The state regulates the financial industry to benefit the country and the people.

Financial intermediary is actually a bridge between customers and funders. As a fund matchmaker, it is not illegal to charge reasonable consulting service fees and agency fees. However, if the fees are unreasonable, such as not communicating with customers in advance (commonly known as points), or refusing to refund the upfront fees, these are illegal.

There are no legal provisions and restrictions on the charging standards. Therefore, the specific charging situation depends on the specific terms of your contract and whether the parties have breached the contract or concealed it during the performance.

At present, the fees charged by credit card agencies are basically around 5- 15. For example, for the next card with 50,000 points, if you receive 10 points, you can get 5,000 employees. If you handle 1 30,000 credit cards a day and 900,000 credit cards a month, the income will be 90,000. Millions a year. This is just a card business.

In addition, in recent years, more and more people have overdue credit information, especially after the epidemic, intermediary business has also increased, such as credit information objection complaints (credit information repair in the market, overdue income is about 1000-3000 or 20,000 to 30,000 banks).

In addition, some banks and lending institutions charge unreasonable fees for some charging items, and intermediaries can also help to apply for refunds, such as refunding interest and surrendering insurance in the market. In addition to the above profitable businesses, there are also provident fund withdrawal, interest suspension and corporate financing.

1. No matter what you do, you must study if you want to do well. Therefore, you should learn more financial knowledge and master the latest technology and information in finance, so as to do intermediary services, serve customers accurately and show your talents in the financial industry.

2, more contact with people in the financial industry, more participation in financial industry activities, can not only learn but also find opportunities for cooperation to make money, even if they are not good financial intermediaries, they can also help them grow and progress, which is conducive to the accumulation of financial knowledge and contacts.

3. Make yourself a professional, formal and honest professional. Never betray your conscience for immediate interests. Only in this way can you gain the trust and recognition of more customers, generate profit opportunities again, and let old customers introduce new customers. Only in this way can you have a steady stream of business and customers will not be lost.

4. If you don't want to start a company, you can directly join a mature financial company with brand influence, which can save you a lot of time and energy and a lot of publicity expenses.