Say what you think:

This is a common behavior of loan intermediary practitioners, which is not a big problem in essence and is also common, especially in the exhibition process of loan telemarketers.

Additional remarks

In fact, I don't quite agree with the loan intermediary practitioners calling themselves "loan officers".

This is not because there is any substantive mistake in calling yourself a "loan officer", but because many loan intermediary practitioners confuse "credit" with "credit loan" in their business practice.

Many new loan practitioners do not understand "credit loan" and "credit", and it is a common sense mistake to confuse the two concepts at will. From a professional point of view, "credit" can not be completely summarized by "loan" or "credit loan", whether it is broad or narrow. According to the breakdown of professional fields, "credit" includes not only all kinds of loans, but also acceptance, credit certificate, letter of guarantee, credit card, refinancing, trust, asset management, financial leasing and other businesses.

I remember very clearly that at a dinner party, a friend temporarily brought a friend who had just entered the business and couldn't get through. During the dinner, the new friend introduced himself that he was engaged in credit business. I think since we are new friends and colleagues, there will be many opportunities for communication in the future, so I ask him what he does specifically. Unexpectedly, this friend said, "Credit is a credit loan. You don't even know this. How long have you been in the business? " I had to touch my nose and answer, "am I new here, too?"

There is no way to make such a joke. In order to improve the efficiency of obtaining customers in the exhibition industry and supplement a large number of lost personnel, many loan intermediary companies deliberately lowered the threshold for employment. This has also caused many loan intermediaries to lack basic financial knowledge, and even have never been exposed to the loan industry before starting a business. It is easy to mistakenly think that "credit loan" can be abbreviated as "credit", or directly think that "credit" is a general term for all loans.

The above are only personal opinions, and the information comes from bank information and network, which is only for the reference of the subject. Codewords are not easy. If the content is beneficial, remember to like and support it.

What is a loan intermediary?

A loan intermediary is an intermediary between a lender and a lender.

With the rise of online lending, most borrowers can apply for loans directly through their mobile phones. In fact, loan intermediary is also an important occupation, because many borrowers don't know much about products and loans, and need an intermediary to introduce and facilitate transactions. In this process, service fees may be charged, similar to real estate agents.

Generally speaking, loan intermediaries serve some small and micro enterprise customers and individuals. These intermediaries will undertake the bank's loan services and be responsible for customer marketing, data collection and simple evaluation, which greatly saves the bank's work energy.

What are the benefits of finding an intermediary with a loan? There are many benefits.

Nowadays, many people are under great pressure and want to borrow money when they are in urgent need. There are two ways to borrow money. One is that the lender directly applies to the lending institution, and the other is that the lender finds an intermediary to match the loan. Compared with the first method, the advantages of intermediary obtaining loans are obvious and there are many benefits. Let's have a look.

First, what are the benefits of finding an intermediary with a loan?

1. You can choose more loan channels:

Intermediaries have been dealing with banks and financial institutions all the year round and accumulated a certain number of contacts. They are also familiar with the loan policies, crowd orientation, application thresholds and interest rates of various lending institutions. As long as they look at the basic information of lenders, they can match them with suitable lending institutions according to their qualifications.

2, improve the loan success rate and amount:

Many lenders blindly apply for loans, or are rejected by institutions, or the amount of loans they apply for is far lower than their expectations, but if they find an intermediary, they can get a better solution.

After all, loan intermediaries are well versed in the loan handling process. They can guide lenders to give full play to their qualification advantages and foster strengths and avoid weaknesses. For example, if the debt is high, you can prepare some asset information in advance, such as automobile production and real estate, to prove your repayment ability, which will help improve the success rate of loans and the amount of loans.

3. Improve loan efficiency:

Many people go to lending institutions to apply for loans themselves, and often go back and forth because of insufficient information submitted. However, if you find an intermediary, it will be different. They will tell the lender the information needed for the loan, so that the lender can prepare it at one time. If you need supplementary information, just hand it over to the intermediary directly, which saves you the time of running errands and even allows your loan to be approved first.

Second, the loan to find an intermediary to charge:

Although there are so many advantages in getting a loan from an intermediary, it is not free.

But from a legal point of view, it is legal for intermediaries to collect fees because they have paid their own labor. Generally speaking, it is normal for an intermediary to charge a handling fee of 3- 10, which also depends on the city and personal qualifications of the customer.

In short, it saves time and effort to find an intermediary for loans, which helps to improve the success rate of loans and avoid many risks, but before that, you must ask clearly what the handling fee the intermediary will charge.

What is the job of the salesman of the loan intermediary?

The main work of the loan intermediary salesman of the loan company is as follows:

1. Be responsible for the pre-loan investigation on the compliance, legality, safety and effectiveness of the loans of borrowers and guarantors. According to the survey results, write a feasibility analysis report.

2 responsible for reviewing the borrower's credit information, the borrower and guarantor's subject, business policy, credit policy and credit risk.

3. Be responsible for inquiring and reporting the borrower's credit information and checking the validity of the borrower's loan card.

4. Be responsible for keeping the borrower's IOUs, collateral and various credit registers.

5. Responsible for timely issuing overdue loan collection notice and doing a good job in the collection of loan principal and interest.

6 in the daily management, major issues that have a significant impact on the safety of loans should be reported to the superior bank in a timely manner.

7. Be responsible for contacting the borrower specifically after the loan, obtaining customer information, and supervising and inspecting the borrower and guarantor.

8. Be responsible for the risk early warning, extension, reorganization, collection, quality classification and preliminary examination of customer credit rating of loans, put forward handling opinions to the credit director, and implement relevant specific loan management measures. Generally, you don't need to collect it yourself, but there are also company regulations. If the customer fails to repay the loan on time, the salesman's salary will be deducted, or the arrears will be recovered by himself.

A loan intermediary company refers to a company that does not engage in the loan business itself, but provides services for borrowers' loans and helps borrowers obtain loans from formal lending institutions. In life, the common companies engaged in loan intermediary are: pawn shops, real estate agents, guarantee companies, investment (consulting) companies and so on.

Second, the loan needs to find an intermediary company:

Usually, anyone who needs a loan can apply directly to a bank or a loan company, and the bank can even recommend a guarantee company when it needs a guarantee. But many people don't know how to choose banks and loan products when they want to borrow money. Loan intermediary companies can recommend the institutions and loan products that are most suitable for borrowers. Bank loans have many procedures, complicated processes and long processing time. It can save the time for borrowers to handle loan procedures through loan intermediaries. There are still some people looking for a loan intermediary because the loan conditions are insufficient and they need a guarantee company to guarantee. There are also some "bank blacklist" customers who think that the loan intermediary company is "related" in the bank and it is difficult to lend.

In short, in some cases, loan intermediaries can really help customers to make formal institutional loans. However, we must be wary of some lawless elements who cheat money in the name of loan intermediaries. When looking for a loan intermediary company, you must go to the other company to go through the formalities in person, and don't pay any fees before lending money.

What qualifications do loan intermediaries need?

What qualifications do loan intermediaries need? Loan intermediaries need to have relevant business licenses. According to China's laws, a loan must meet six conditions, namely: (1) has legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (6) Other conditions stipulated by the lending bank.

Can a loan intermediary help find a guarantor?

The loan intermediary can't find a guarantor. And if there is a loan demand, it is best to go to a regular bank. Article 961 of the Civil Code of People's Republic of China (PRC) is an intermediary contract, which is a contract in which the intermediary reports the opportunity of concluding a contract to the client or provides media services for concluding a contract, and the client pays remuneration. Article 962 The trustee-trader shall truthfully report the matters related to the conclusion of the contract to the trustor.

The loan intermediary may not be able to find a guarantor.

1. If you need a loan, you must go to the bank. Each bank has different regulations on specific procedures and conditions. Generally speaking, the handling bank does not charge directly. Involved in mortgage, guarantee and other related departments (such as housing authority, intermediary, etc. ), charge a fee.

2. For unqualified lenders, the bank requires a guarantor or mortgaged property. When the debtor fails to perform the debt, the guarantor shall perform the debt or bear the responsibility as agreed. Therefore, it is a great responsibility to provide protection for patients. The real estate mortgage loan can only take effect after the mortgage formalities are handled by the housing management department.

3. After the death of the lender, the collateral can be disposed of or undertaken by the guarantor. If there is no guarantor or collateral, the lender's legacy must be used to repay the debt.

4. If a broker intentionally conceals important facts about the conclusion of a contract or provides false information, which harms the interests of the client, he shall request payment or bear the liability for compensation.

Second, the loan intermediary is reliable.

1, there is no charge in the early stage. The loan intermediary charges a certain fee, but the formal loan intermediary can only charge the fee after the bank pays. The borrower will not charge until he receives the loan.

2. Reasonable process: The borrower can ask the loan intermediary about a series of processes when handling the loan agency, and judge whether the process is reasonable, so as to judge whether the intermediary is formal.

3. Business license: The borrower can check whether the loan intermediary institution has legal and valid business license and other documents by visual inspection.

Because loan intermediaries generally cooperate with big banks, loan intermediaries can give borrowers certain discounts. As long as the formal loan intermediary is reliable, we must avoid the black intermediary when looking for a loan intermediary.