1. It is a common legal measure that loan intermediaries are not on the white list of banks to ensure the authenticity and compliance of loan transactions.

2. If the loan intermediary is not on the bank's white list, the bank may ask for an interview. Through interviews, banks can conduct a more comprehensive review of intermediaries, including understanding their business models, risk control capabilities, operational compliance and so on.

3. Only after confirming that the intermediary meets the relevant requirements and can provide safe and reliable services, the bank will consider cooperating with it.