Is that "bank loan" that you get sales calls from every day real? What is the specific process?

This kind of so-called bank loan is generally not real. The formal loan process requires going to the bank.

Because many people’s personal user privacy has been leaked, they often receive various types of harassing information. The harassing information is bank loan information. For formal banks, there are many channels for bank loans, but they rarely invite customers through text messages and phone calls. If you receive this type of message, the most important thing you need to do is prevent yourself from being scammed.

1. The so-called bank loan on the phone is usually a phone call.

As I said above, formal banks rarely invite users for loans over the phone. Under normal circumstances, the loan phone calls you receive are usually from lending institutions, which are usually private lending companies. Many lending institutions will pretend to be banks and publish content in this way. I think you need to be more cautious.

2. The formal loan process requires going to the bank.

For most bank loans, because the bank loan process is relatively formal, you generally need to go to the bank's business office to operate. Now is the Internet era, banks will also launch some online operations, but such loans generally have relatively low amounts and are basically credit loans. If you want to apply for a loan online, you need to download the APP of the relevant bank and finally operate on the APP.

3. You must learn to protect your personal privacy.

The main reason why you will receive such information is because your personal privacy has been leaked. Many users have not developed correct Internet habits in their daily lives, and some people even verify their real-name information casually. When you do this, your personal information will be used by criminals, and you may suffer financial losses. It is for this reason that I recommend that you be careful in your daily life, develop correct online habits, and be sure to learn to protect your personal privacy!

Will someone pretend to be a Chongqing Three Gorges Bank loan?

No. No one will impersonate Chongqing Three Gorges Bank for loans. They are all real-name and cannot be impersonated. Chongqing Three Gorges Bank Co., Ltd. is a joint-stock city commercial bank established with the approval of the China Banking Regulatory Commission. It is one of the key state-owned enterprises directly managed by the Chongqing Municipal Party Committee.

Is it reliable to call to ask for a loan?

I believe many people have encountered the example of calling to ask for a loan. They claim to be the person in charge of the bank. Since their credit report is good, they meet the requirements. Qualifications to provide you with high-value loans are generally not trustworthy. The fact that the bank calls you using your mobile phone number is questionable. Be careful of the phone number.

Is the loan reliable when I call you?

It is not trustworthy. Let me tell you why. First, if it is a formal platform, it will not contact you through this method, and it will just advertise directly. Second, the interest rates of irregular loans will be much higher. Even if they are not scamming you, you cannot apply for this kind of loan. Third, there is a high chance that they are lying to you.

So, if you really need money urgently, you should choose some formal loan platforms.

Is it true that banks call and say they can get loans?

Banks will not call customers to recommend loans because there are long lines of customers applying for bank loans, including businesses and individuals. client.

Everyone who receives such calls is also from a financial institution, but they are definitely not bank staff. Most of them are salesmen of loan intermediaries. Of course, there are also non-financial institutions pretending to be banks. You must be vigilant against such calls to avoid being deceived. Regular loan transactions are all conducted in banks. Credit cards are also loans, but they require online qualification review. The procedure for issuing a credit card is relatively simple.

Why do some banks take the initiative to call users for loans

Bank account data can accurately determine your repayment ability and financing needs. Some banks' "quick loans" provide you with a supplementary credit limit based on your salary account, housing mortgage loan, and investment and financial management account. There are also some loans for business owners. On the basis of enjoying the highest mortgage rate of 70%, combined with the flow of settlement accounts, a certain credit line is given to ensure the use of funds. Therefore, these businesses are often value-added services to customers.

Pretend to be a bank phone recording to get a loan?

Pretend to be a bank phone recording to get a loan. If you cause property damage to others, you will be held accountable.

Article 175 of the "Criminal Law" stipulates that "obtaining loans, bill acceptances, letters of credit, letters of guarantee, etc. from banks or other financial institutions by deceptive means, causing heavy losses to banks or other financial institutions or other serious circumstances "" behavior constitutes the crime of fraudulently obtaining loans, bill acceptance, and financial instruments.

The Ministry of Public Security's "Regulations on the Criteria for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (II)", "Obtain loans, bill acceptances, letters of credit, letters of guarantee, etc. by deceptive means, and provide them to banks or other financial institutions." If the amount of direct economic losses caused is more than 200,000 yuan, a case should be filed for prosecution."

Is it true that I received a personal phone call saying that I can get a loan from China Everbright Bank?

No.

It frequently happens that criminals impersonate Everbright Bank staff and make random phone calls to market "unsecured credit loans." After verification, the false loan marketing was not our bank's marketing behavior. Most of the dialed numbers were fictitious numbers and were not our bank's office phone numbers. If you want to get a loan, it’s best to go to the counter and ask.

Many loan intermediaries pretend to be banks to sell money over the phone. Why don’t banks protect their own rights and interests?

A large number of loan intermediaries pretend to be banks for telemarketing. The banks don’t care, but they don’t want to care because there are bank interests involved.

Every bank has a strong legal team, as well as a team of external lawyers. If you really want to take care of it, where can such things like being impersonated by loan intermediaries happen?

Secondly, intermediaries also cooperate and subcontract, so the intermediaries signed by banks then subcontract and distribute. In this way, the team of intermediaries making phone calls is much larger. The bank itself doesn't know it, so since no one complains, the bank will not take the initiative to investigate these fake intermediaries.

Third, the most important thing is that it is easy for banks to cooperate with intermediaries to advance and retreat. If there is no problem, you can make money by lending money yourself; if there is a problem, blame the intermediary. After all, compared with intermediaries, banks are behemoths. Banks need intermediaries as scapegoats, and intermediaries also rely on banks to survive. So it's a mutually beneficial relationship.

Because of the above reasons, banks will not bother to crack down on fake intermediaries, because banks need the existence of intermediaries.

I am Konggu Caitan, sharing my views with you.

As a former bank credit practitioner, I would like to share with you the real cause of this problem.

I believe that many of my friends have received calls from people claiming to be staff in the credit department of banks, claiming that they have low-interest loans that they can recommend. Most people know that the so-called bank staff on the phone are actually loan intermediaries, not bank staff.

Then the question is, why do banks ignore this blatant counterfeiting? Is there really a collusion between banks and these loan intermediaries, as many people think?

That’s not the case, that’s not the case.

In fact, banks are very aware that various loan intermediaries pretend to be themselves to make sales calls every day. But for this problem, banks can neither control nor need to manage it.

First of all, general loan intermediaries will use various virtual number segments to make outbound calls, and such virtual numbers are difficult to trace. Even professional telecommunications companies can't do it, let alone financial institutions like banks. Moreover, there are many intermediaries that don’t even use virtual dialing and make outbound calls directly through mobile phone numbers, which makes it impossible to trace them.

Secondly, problems such as information leakage and harassing phone calls are now very common. Zatan Finance itself also receives some calls every day from people claiming to be from the bank's loan department to promote loans. Moreover, this phenomenon does not only appear in the bank loan industry, but also exists in decoration, parking spaces, real estate, training, education, insurance, stocks, financial management, and other industries. There are many telemarketing calls pretending to be from related industries and companies, which is very annoying. As real institutions, we can only try to control this phenomenon, but we can't, because it is too common.

Finally, as the final lender of the loan, the bank will repeatedly confirm the relevant rights and obligations of the loan with the borrower before disbursing the loan, and clearly explain the relevant terms and fees. Even those purely online loan products will clearly state relevant information in the loan contract.

In other words, bank and loan staff will fully perform their duties and exemptions. Therefore, no matter how intermediaries pretend to be banks, or how they exaggerate or make false propaganda, they will have almost no impact on banks.

This matter cannot be thought of simply.

Loan intermediaries must be authorized by banks. They are indeed a channel for banks to tap the market. In layman’s terms, loan intermediaries and banks have a relationship of mutual interest. There is no antagonistic relationship between them.

Although the loan intermediary has been authorized by the bank, it does not rule out that some intermediaries directly say that it is a bank telesales service of a certain bank. This is just to make the success rate of the business higher. That is what we usually call "pulling some tiger skin".

Loan intermediaries and bank telemarketers are both developing markets together. Sometimes this intermediary will exaggerate the background when promoting its business, which will not cause the bank to take action.

What's more, the market extends infinitely. There will be subcontracting below the first-level agent, and there will be more levels of subcontracting behind the subcontracting. This is the pattern of a market.

It is very rare to deceive people by introducing loans. It can be said to be very rare. There is not much room for manipulation. Moreover, the loan process of banks is now very transparent and can be exploited. There are almost no loopholes.

We must remain vigilant about finance, but we must not be too sensitive.

The loan intermediary "pretends" to be a bank, but there is no bank to protect its own rights and interests. Among them, there are mainly the following reasons.

1. The intermediary signs a contract with the bank loan department and becomes a bank loan channel. After the customer obtains a successful loan, he or she will receive bank channel fees.

Nowadays, the loan departments of many banks are under high loan pressure, and their own marketing teams have high construction costs and limited performance. Therefore, banks usually find some relatively powerful small loan companies and sign channel agreements. The intermediary promotes the bank loan business. If the customer has a loan need and meets the loan conditions, he or she goes to the bank to go through the loan procedures during the interview, which is somewhat similar to business outsourcing.

2. Intermediaries use words to increase customer trust.

The intermediary acts as an agent to market the bank's loan products, and indicates in its opening remarks that it is the bank's loan product. On the one hand, it has the bank's endorsement, and customers will naturally trust it; on the other hand, it can avoid customers' early doubts about whether The need to charge intermediary fees will create doubts and wrangling, and the transaction can be completed faster.

3. Customers also understand that there are many intermediary agency banking products, and the loan procedures are all through formal channels. As long as customers do not complain, the interests of the bank will not be damaged.

The bank’s pursuit is to increase performance and complete loan targets. As for intermediary channels, banks will not proceed as long as the interests of the banks are not harmed. At most, the intermediaries are required to standardize their speaking skills during sales. If, on the one hand, the cost is high, on the other hand, the channel is damaged, and the reputation of the bank is also affected.

To sum up, in addition to cheating, the loan business that "pretends" to be a bank is basically the loan business of an agency bank, and has a vital interest relationship with the bank. Without affecting the interests of the bank, Banks do not regulate how they operate.

This is actually behavior with the tacit approval of the bank to a certain extent. These loan intermediaries have certain cooperation agreements or sharing arrangements with banks. For banks, wouldn’t it be nice to have someone help pull customers to the counter instead of doing marketing themselves?

This is indeed a gray area for loans, especially personal loans. In fact, for the regulatory authorities, they can only manage licensed financial institutions, that is, the bank's loan process is compliant and legal. For those loan intermediary consulting companies, there is no management ability or restraint ability. Banks also enjoy the benefits. The loan intermediary will also introduce the business to potential customers in advance, saving time and improving efficiency when they go to the bank to apply for loans. How great is it that the bank has free marketing?

But as everyone knows in the world, if there is no profit, you can’t afford it early. If a loan intermediary pretends to be a bank and makes sales calls, what does he gain? If only after the loan is successful, the bank will give him a share of the profit, then to a certain extent, it is okay as long as the bank abides by the management regulations of the central bank and does a good job in the filing, approval and monitoring of external cooperation units. If the customer has to pay a separate fee to the loan intermediary when taking the loan, then this is suspected of violating the regulations because it increases the customer's borrowing costs.

In fact, the biggest suspected violation in this matter is how the customer's information was obtained? This is an unavoidable violation of privacy laws and regulations. If it was a bank's own customer, the bank would have already used its own telemarketing team for direct marketing. Therefore, the potential customers that loan intermediaries are looking for can never be customers of banks, so where does their customer information list come from? This is a definite violation of customers' privacy rights, so their behavior of obtaining the customer list may be suspected of illegally buying and selling customers' personal information, which is suspected of a criminal offence.

That’s why we can see that all loan intermediaries use virtual numbers to call and pretend to be bank staff. This makes it impossible for customers who want to be held accountable to find them. If the customer is interested in a loan, then they will take the next step, such as guiding the customer to a bank branch, or guiding the customer to download a bank APP for subsequent loan applications. At the same time, they carry out various activities to collect intermediary fees.

However, according to regulatory requirements for banks, if a bank conducts business cooperation with an external team, it must review the external business team. If any violation is found, the bank will not be allowed to continue business cooperation. But many banks don't have contracts with these external teams, so regulators can't see them. If an incident occurs, the bank can successfully shift blame.

This is the world of personal loans, and it is also an important aspect that financial regulatory authorities need to rectify in the future.

If banks want to make money, it is the most cost-effective way to dump some customers with ordinary qualifications to loan intermediaries. Money is still made, if there is a problem, the intermediary will be blamed, and there is no need to deal with the messy post-loan management, so why not do it.

Another reminder here is that many people with normal qualifications can go to banks to get loans on their own, and there is no need to find a loan intermediary. These intermediaries say on the phone that the handling fee is at most one point. If you go there, it will start at least five points. Don't go to them easily. The rates are very scary.

Can you get a loan besides going through an intermediary?

Banks protect their rights and interests all the time, but there are countless cases in the society of people pretending to be bank staff to call customers. Banks cannot pursue them one by one. If customers ask carefully, these loan intermediaries will be vague. Ci. In fact, loan intermediaries mainly want to find target customers through cold phone calls. If the customer has needs, the loan still requires an interview and a series of procedures. As long as customers with some common sense know that the final signing is not at a bank interview or a formal contract with the bank, they can get it in time. Stopped. However, if the customer has problems with his own qualifications or is very unfamiliar with the loans on the market, he may still be deceived by the loan intermediary. I can only warn all customers here that the loan procedures of bank staff are very formal. If you have any doubts, it is best to It is best to go to a bank branch to apply for a loan and read the loan contract clearly to avoid being deceived and encountering "routine loans".

Haha.

There are many different situations here:

1. The bank is too lazy to take care of it.

How to control the liar Namoduo?

If the customer is really cheated, what does it have to do with the bank?

You really have no evidence to prove that the bank deceived you. You can't say that you are from the bank on the phone, that's it.

The bank doesn’t bother to take care of it until it needs to step in to restore its reputation.

2. Banks don’t want to take care of it

Frankly speaking, nowadays there is a lot of personal information leakage. For example, after a bank mortgage loan, countless people call you to persuade you to do decoration design, sell kitchenware, etc. Yes, who sold these information?

I think most of them are done by real estate companies or subordinates, although it is not ruled out that a small number of them are done by bank insiders.

3. There is another situation.

Because banks have heavy consumer loan tasks, they ask their real employees to call them for consumer loans and credit card installment marketing. They may also ask some of their consumer loan partners, such as car dealerships and decoration companies, to call their target customers. group.

Because the bank’s customers are all sent by them, it is a win-win cooperation. You can make money from intermediary fees and help the bank select customers who meet the bank’s requirements! Also, have you seen a few bank clerks come to you and ask for a loan? Their customer acquisition channels all come from telemarketing companies and intermediary channels!