Back to the landlord, loan outsourcing is a new concept. In the credit business of small and medium-sized enterprises, some commercial banks, Jiangchuan Finance, Orient Asset Management Company, etc. Are developing this new business.

Take Jiangchuan Finance as an example. Banks outsource a part of small and medium-sized loan business to them, and Jiangchuan Finance provides financial advisory services and conducts due diligence for these small and medium-sized enterprises. Finally, the three parties signed a loan agreement. If the customer fails to repay the loan on time, Jiangchuan Finance will pay the principal to the bank to purchase non-performing assets. The development of this new business by both parties will help solve the financing problem of SMEs. For banks, a new professional team has been found to solve the actual situation of high unit cost in SME loans, and the loan risk has been transferred to some extent by giving profits to financial integrated service companies like Jiangchuan. For Jiangchuan Finance, this is an important source of intermediary business income.