1. Several friends want to set up a credit company, how can they cooperate with banks? Position yourself as an intermediary?

Joining a loan assistance platform is the best way.

What is a loan assistance platform? To put it simply, borrowers apply for loans from banks through the platform, and banks grant loans to users recommended by the platform.

The loan assistance platform is a pure intermediary. It only helps banks acquire customers and does not participate in other links. The income of the loan assistance platform mainly comes from the bank charging loan customer service fees after lending, or the bank charging a certain percentage of the loan amount. Give commissions back to the platform. In actual operation, the loan assistance platform basically collects from both ends and eats from both ends.

The loan assistance platform mainly targets personal consumption loans, mortgage loans and small and micro enterprise credit loans. Because the number of these two types of customers is too huge, it is difficult to rely solely on banks themselves to obtain customers and their coverage is very narrow.

Then why do you recommend joining a franchise instead of setting up your own business?

You might as well take a look at the situation of several well-known domestic loan assistance platforms:

Kingdee and UFIDA are ERP software providers; Aerospace Information and Baiwang are electronic invoice platforms; Weizhong Tax Yin is a bank-tax interactive platform; Keruyun provides ordering and cashier systems for restaurants and supermarkets; Hemudu has B2B e-commerce transaction data.

It can be clearly seen that these platforms have the same characteristic: they master a large amount of small and micro enterprise operating data.

Comparing the companies in the above table, the questioner said that a few friends formed a partnership. If there is not a large number of potential customer resources for individuals and small and micro enterprises that banks need, there will be no bargaining chips. If you want to negotiate with large companies, How easy is it to cooperate with banks?

Therefore, it is more pragmatic to join a large platform. After the loan assistance platform obtains the rebate from the bank, it will allocate part of it to you as the agency fee. Just acquire customers, earn loan platform agency fees on the one hand, and charge appropriate loan customer handling fees on the other.

Here, let’s talk about another model: you pay a deposit, bear the risk of loan bad debts, promise to cover the whole situation, and then borrow corresponding channels to obtain bank funds. You are responsible for customer acquisition, risk control review, collection and non-performing loans. Processing, etc., this type of cooperation has appeared a lot in the past few years, and sneaking was popular for a while, mainly among some smaller commercial banks. However, this model is actually non-compliant. The regulatory authorities clearly require that cooperation with third parties The business scope of platform cooperation is limited to the collection of borrower customer information, and core businesses such as credit review and risk control are not allowed to be outsourced. As regulations become more stringent, this model has now largely disappeared.

In short, joining a legal and compliant loan assistance platform will not only help revitalize bank funds, but also help solve the problem of financing difficulties for individuals and small and micro enterprises in society. It is a move that benefits the country and the people. Two friends jointly registered a company and joined the loan assistance platform. It does not require a large investment. As long as you do a good job in business promotion, as the number of customers accumulates more and more, the income will be considerable.

2. What is the interest rate of 23% off Haoxiandai for Bank of Communications credit card?

What is the interest rate for Haoxiandai at 23% off for Bank of Communications credit card? According to a consumer credit business launched by the relevant credit card, the interest rate of Bank of Communications Haoxiangdai for a consumption limit approved outside the credit card limit is relatively high among other consumer loans in the bank.

3. Measures to increase the coverage of bank credit loans

If you want to increase the coverage of bank credit loans, you can visit more companies from all walks of life and pay more attention to some small and medium-sized enterprises. For enterprises and individuals, the coverage of credit needs will be expanded.

4. How to increase credit cards

1. Swipe cards as much as possible

2. Swipe cards in as many different consumption places as possible

3. Try to make as many installments as possible to let the bank earn more money from you

4. Be sure to repay on time and never be overdue.