Recently, I contacted the business of eliminating gold, negotiated with the partners, and raised the question of what is loan assistance and why there is loan assistance. Let me share my personal learning experience below.

Loan-assisting business: refers to the business that loan-assisting institutions recommend borrowers to capital parties (including banks, consumer companies, trusts, online loans, etc.) by taking advantage of their own advantages in obtaining customers, risk control and post-loan management. ) and get related service fees. On the one hand, compared with borrowers applying for loans from traditional financial institutions, applying through lending institutions can shorten the application time and improve the pass rate, thus meeting the capital demand quickly; On the other hand, if the funders cooperate with the lending institutions, they can quickly find suitable customers, and the lending institutions share part of the operating costs (including customer acquisition, bad debt losses, post-loan collection, etc.). ), can better complement each other.

Whether the investor's money passes through the partner's account is the biggest difference between the two. Under the loan-aiding mode, the loan-aiding institution only charges the service fee, and the funds are not only through its bank account, which is one of the reasons why investors prefer the loan-aiding mode and plays a role in isolating risks. Even if there is a risk of poor management, it will have little impact on the bankruptcy of the investor, and the investor can directly recover the remaining loan from the borrower. Bond transfer means that partners lend their own funds to borrowers to form creditor's rights, and then transfer the creditor's rights to investors.

General lending institutions are not eligible for loans. The people's court shall declare the loan contract invalid for those who do not have the loan qualification but actually operate the loan business and take the loan income as the main source of income. In addition, the leverage ratio of small loan companies should not exceed 3 times of net capital, and financing from financial institutions should not exceed 50% of net capital. In other words, a small loan company with a registered capital of 1 100 million yuan can only lend 300 million yuan at most, and the financing from banks and other channels does not exceed 50 million yuan. At present, the loan industry lacks clear policy guidance and supervision measures, which leads to the uneven quality of the industry and the accumulation of hidden risks, and the later loan industry standard policies will be introduced one after another. It is suggested that non-licensed institutions engage in loan assistance business and try to obtain the license of financial institutions, such as financing guarantee, financing lease, internet small loans, etc. Thereby reducing the risk of regulatory policies.

What is loan assistance?

What is "loan assistance"

Lending assistance means that lending institutions provide financial support and help to lending institutions, and finally match the matching funds for borrowers. Warm reminder, lending institutions do not issue loans ~

The original intention of the loan assistance model is to combine the capital resources of traditional financial institutions and financial licensed institutions with institutions with advantages in data, traffic and customer acquisition, so as to improve lending efficiency and realize complementary advantages.

Lending institutions not only help banks acquire customers at the marketing level, but also screen customers for banks at the risk control level, and even provide service solutions for banks after lending. Banks only need to issue loan funds for customers to make a profit.

What is the value of "loan assistance" service?

1. Help loan customers

Many people may borrow money, but they don't know which bank to go to. There are hundreds of large financial institutions. How to make a choice?

Where is the loan with higher success rate, lower interest rate and the highest amount?

Some people say that you should try more by yourself? Don't be silly, no matter how much time and energy you have to spend trying to make mistakes, it is also a big problem to check the credit information too many times.

The credit report shows that after many loan approvals, the bank will judge that you are extremely short of money because of risks, so it is difficult for you to borrow money from the bank in a short time.

For another example, you may not be able to prepare all the materials needed for mortgage loans and other businesses. It's really time-consuming and laborious to make it up again.

2. Help banks and other financial institutions to complete the initial screening of customers.

This saves both time and labor costs, and the account manager is limited. It is impossible for any customer to stay in the reception area for a long time, so the loan company can complete this piece.

Therefore, the loan assistance model can improve the business ability of both the loan assistance platform and the banking institution, and reduce the operating cost, which is a win-win model. If the bank holds hands with the traffic end and the technology end, it will bring great opportunities to all aspects of the whole model.

With the development of the mobile Internet and the upgrading of the loan crowd, the loan-assisting intermediary market will show such a trend: the loan-assisting intermediary will become more and more standardized and the development trend will get better and better.

First of all, the proportion of online customers and smart matching loans is increasing. With the continuous application of financial technology, the brand brokerage platform of loan service will be born by improving the stickiness of loan customers through the mobile Internet loan platform. Fast, efficient and convenient loan services will be gradually popularized in first-tier and developed cities.

Secondly, loan intermediaries (loan brokers) will begin to standardize. With the increasing restrictions of financial supervision on loan assistance and loan brokers, it is not excluded that there will be a loan broker qualification certificate in the next few years, similar to the insurance broker qualification certificate. Loan brokers will still be attached to a major financial institution, which is as easy to manage and upgrade as independent brokers abroad, but I believe it will not be popularized so quickly, and there is still a long development process in China. After all, there are still many brokers whose knowledge system is still not perfect and their knowledge level is still very low, which needs to be upgraded and improved. The incidents of fraud and routine loans will be greatly reduced!

In short: loan intermediaries will become more and more Internet-based, with chain stores, brands, scale and compliance. The future loan agency service must be an era of branding, scale, compliance and internet.

In the next few years, the standardization and maturity of the loan intermediary (brokerage) industry, the application of emerging technologies and the improvement of the financial service model will greatly reduce the pain points of the industry. It is believed that "difficult, expensive and slow loans" will become the history of financial services, and inclusive finance will further promote its development. The role, significance and status of loan intermediaries are constantly enriched, and loan intermediaries will become more and more standardized, and the development trend will become better and better.

What is bank loan assistance?

Bank loan assistance means that licensed financial institutions such as consumer finance companies provide funds, collect fixed income, help loan service institutions design loan products, and provide licensed financial institutions with full-process services including customer acquisition, face-to-face signing, approval and post-loan management. Funds are paid directly to customers by licensed financial institutions such as banks, and loan service institutions do not touch money.

This model not only provides continuous financial support for microfinance companies through off-balance sheet financing, but also expands the scale of bank microfinance business, opens up new profit growth points, and realizes a win-win situation for banks, microfinance institutions, small enterprises and low-income people.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest:

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.