1. From the perspective of the banking system, the internal control of banks strictly prohibits employees from colluding with private financial companies to lend to their loan customers. Once verified, if the circumstances are serious, it shall not be refused without reason.

2. Because most people who engage in this kind of refinancing use the identity of bank employees to win the trust of customers. However, this situation is also prone to disputes over creditor's rights and debts, because there will be more or less exchange of interests in the referral process, especially the bank employees will take bribes and commit the crime of bribing state employees. Serious people will face criminal responsibility.

What is modern economy?

1. For a long time, modern economy has been called banking economy and financial economy. Nowadays, many people think that modern economy is banking economy and financial economy. This means that the economy cannot do without banks. Only by relying on banks can the economy develop. Otherwise, the economy will not develop. Obviously, this view distorts the relationship between economy and finance and puts economy above banks. The relationship between economy and finance is actually that economy determines finance, and finance reacts on economy. Economy is the foundation of finance, and finance is only the reflection of economic operation.

2. The crux of the problem is that many people overemphasize the role of finance when studying economic and financial issues, regard finance as the foundation of the economy and think that the economy cannot be separated from finance. Only by developing finance can the economy develop. Therefore, when they use financial means, they often break away from the law of economic development and overuse financial means, which leads to financial kidnapping of the economy. However, no matter how important finance is, it cannot be separated from the economy and needs the support of the economy. The relationship between economy and finance is the relationship between water and fish. Without economic water, there would be no financial fish, and finance would be difficult to survive. On the contrary, in order to develop the so-called financial economy, many places have infinitely exaggerated the status and role of finance, as if it would be finished without finance.

3. Because of this, most developed countries, including the United States, give up or ignore the role of the real economy, ignore the decisive role of the economy in finance, and rely too much on virtual economies such as finance. On the surface, it did get a lot of benefits, even made a lot of money through the bubble and accumulated a lot of wealth. However, the wealth accumulated by bubbles is not reliable.

In the event of financial crisis, these funds will shrink sharply and severely in the bubble squeeze. In this case, if there is real estate speculation, it is possible to lose money and lose money. After the outbreak of the subprime mortgage crisis in the United States, world-renowned investment banks such as Lehman Brothers will close down one after another. In the final analysis, it is the result of over-exaggerating the role of banks, over-kidnapping and over-controlling the real economy. On the contrary, Germany and other countries have not been greatly affected by the global financial crisis because they attach great importance to the real economy and real industries.