1, group advantage.

If you are a bank clerk, assuming that the bank gives you a loan of1000000 yuan every month, do you seek individual customers one by one to contribute10000000 yuan, or do you seek cooperation from an intermediary company?

If you try to find a group of individual customers, you will find that you have no advantage at all in front of the group intermediary company. Maybe you will occasionally find a mortgage of more than 10 million yuan to ensure that the loan amount will pass this month, but you can't be so lucky forever.

2. Intermediary companies can "help you get the information".

Moreover, if the customer lacks some information, such as proof of address, proof of work, etc. Then you can't place this order. If the customer lacks information, the bank will only review it and the customer will not get the money. But if the customer finds an intermediary company, then they will "help you provide information" and the order will be completed.

3. Direct authorization from the bank

There are also some products that are directly authorized to intermediary companies. Because of collectivization, intermediary companies can ensure that the loan amount reaches the standard, which bank loan salesmen can never do. So some of my customers always like to lie to me and ask me which bank has the lowest interest rate on what products. I directly said that CCB would lend 3%, because this product can't be done by customers themselves, and it is our exclusive authorized agent for Wanshang Investment.

kind

Divided into RMB loans and foreign exchange loans by currency.

According to the purpose, it is divided into working capital loans and fixed assets loans. The former includes revolving loans, temporary loans and discounted bills, while the latter includes technology issuance loans, capital construction loans and technology development loans.

It is divided into short-term loans and long-term loans according to the term. Short-term loans 1 year, medium-term loans 1 year or more (excluding 1 year) but less than 5 years (including 5 years), and long-term loans for more than 5 years (excluding 5 years).

It is divided into industrial loans, commercial loans, agricultural loans and foreign trade loans according to economic sectors.

According to the loan method, it is divided into credit loan, secured loan and bill discount, and secured loan is divided into three types: secured loan, mortgage loan and pledge loan.

According to the loan object, it is divided into wholesale loans and retail loans.