A business friend told me that he was loaned by the bank! In the past, when the business was good, the banks used him as their ancestor, and the loan was almost done with a phone call. This year, because of the epidemic, the business was not very good, and the bank just didn't increase the quota, and it was also borrowed. It was simply miserable!

In fact, this situation is very common in our life. The more you need money, the less you can borrow it, and you can't even apply for a credit card. On the contrary, when you have unlimited scenery, consumer loans and business loans from various financial institutions are constantly on the phone, which seems to be waiting in line for you to use. . . As the saying goes, icing on the cake is easy, but it is difficult to send charcoal in the snow.

As we all know, there is a loan product in the bank called credit loan, which means that you can get a loan without anything as collateral. As a result, when many people actually apply, they find that they still need to inspect their work units, loan purposes, repayment sources and many other aspects, which are not as easy and simple as the bank advertised. Most people will finally get a conclusion that they do not meet the application conditions at present.

With the development of credit loan today, not only banks, but almost all well-known enterprises have launched their own credit loan products, such as Meituan, Hungry, Didi Taxi, etc., which seem to have little to do with finance, all have pages for applying for credit loans in their own apps.

It seems that the high threshold of banks has given opportunities to other industries, which has led to the rise of p2p and online lending. It seems that the groups who are short of money and need money have found their own financing way for a while. Before p2p and online lending exploded, many people thought that their online audit data+big data model would bring changes to the banking industry.

however, up to now, the risk control mode of banks has not changed much.

Banks still like to lend money to groups with money. Compared with groups without money, the probability of bad debts is much smaller.

For those who have no money, the probability of having invisible liabilities such as online loans and private loans is relatively high, and banks will naturally not lend to these people because of risk considerations.

On the other hand, Internet finance companies advertise their high quota, fast approval, low interest rate, etc. It happens that small and micro enterprises or individuals do not need too much money in their daily needs, and they can really meet it.

But the question is, when the enterprise develops and expands, it encounters a shortage of capital flow, or an individual is in urgent need of money, can Internet finance continue to increase the credit line on the basis of the original credit loan?

the answer is no, unless you pay off the original loan, or provide proof of assets, it is possible to increase the quota.

so, once the demand for funds increases, it can't be met by credit alone, and finally it depends on assets.

So this becomes a paradox: people/enterprises that need money don't have much assets themselves, and bank loans are stuck here and there; People/enterprises that don't need money have countless assets, and bank lending is particularly refreshing.

around, back to the original point.

Therefore, banks are only willing to lend money to rich people, which is the beginning and the end.