This is because when individuals and intermediaries apply for loans in banks, individuals and intermediaries belong to two types of customers. Individuals are single customers, and intermediaries are essentially big customers, which can help banks collect a lot of resources. Between individual small customers and big customers, of course, the loan pass rate of big customers will be higher.

In fact, such companies that specialize in helping people lend money are collectively referred to as lending institutions, which are mainly divided into licensed institutions and unlicensed institutions. Most of the licensed institutions specialize in assisting users to handle bank loans, and at the same time, they also undertake the loan processing business of some large financial institutions. Unlicensed lending institutions include some companies that have not obtained data on small loans, online small loans and financial leasing. In addition to helping borrowers to apply for loans, the lending institutions of licensed institutions are also eligible to issue other loans on their own. Non-licensed institutions shall not directly participate in the issuance of loans according to regulations. In addition, there are traditional loan intermediaries, that is, simple third parties, whose business is limited to matching funds and borrowers, and they do not specifically participate in lending and repayment. In essence, these three lending institutions are reasonable and legal as long as they get licenses. However, when applying for loans, borrowers need to pay attention to the unreasonable service fees charged by some institutions. When seeking the help of lending institutions, borrowers had better be able to "shop around".