1. How long can the loan intermediary industry develop?
Where there is demand, there is market. When we are short of money and need a loan, we don't want to bother, or we are not qualified enough, or we don't know what kind of financial products are suitable for us, so we need a professional loan intermediary to help us complete it and guide us how to borrow. Loan business has the characteristics of low investment cost, low entry threshold, large market scale and fast income, and it is the first choice for everyone to start a business project. In almost every city's office buildings, loan intermediaries are often the most. It can be said that loan intermediaries have become the most important customers of leasing office buildings, and even loan intermediaries have become the backbone of urban development. Those earliest loan intermediaries must have made a lot of money, and customers borrowed 1 10,000. If you take the industry's average handling fee of 5%, you can get a handling fee of 50 thousand yuan, not to mention the internal rebates of financial institutions such as banks. People who are loan intermediaries can earn 65,438+million yuan a month, and people who buy cars and houses a year can be seen everywhere. After all, the market is competitive. With more and more players acting as loan intermediaries, banks, small loans and other financial institutions have higher and higher requirements for customers, and the business of loan intermediaries is becoming more and more difficult.
Second, the pain points of traditional loans
The procedures are complicated, the examination and approval time is long, the deadline is difficult to adjust, the repeated application is tired, and the repayment burden is heavy. Look at the problem from the aspects of lending institutions, product selection and loan handling. Future loan intermediaries should look for customers from the Internet and operate various intelligent systems for customer management, follow-up, product and employee management. Due to the adoption of this system, the follow-up to customers is more accurate and timely, and the customer experience will be better! More AI technology and intelligent customer service will enter the loan service market. Customers know that it is convenient and quick to find an intermediary loan, but they can't let it go. What he needs more is professionalism and trust. Therefore, the intermediary company with good thinking in operating the Internet is the company that finally wins.
To sum up, if a loan intermediary wants to be big and long-term, it must abide by the rules in obtaining customers, visiting customers, cooperating with management and making agreements with customers.