Loan intermediary refers to cooperation with banks. The lending entity is the bank, and the intermediary helps you find the most suitable product in the fastest time and charges a certain handling fee.
The loan intermediary exists as a unified interface of the bank into a redirected interface that can connect with various customers. It is more like a micro-channel flowing into the borrower market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including corporate working capital loan guarantees, personal operating loan guarantees, etc. They can also provide enterprises with investment and financing guarantees, performance guarantees, etc. Enterprises need to provide a guarantee company The required information is provided by the guarantee company to evaluate the company's solvency.
Extended information
Loan development trends and characteristics:
1. The loan search platform develops towards diversified financial services. Diversified and group-oriented, relying on the long-standing vertical search model of the loan industry, transformation and upgrading, including credit card diversion, cash loan diversion, and even wealth management.
2. The complete dumping model develops towards the socialization of brokers. Completely dumping orders, the profit model of the platform is single, and when the scale is insufficient, it is not enough for the platform to break even. Some platforms claim to have many million-level brokers, but few have hundreds of thousands or hundreds of thousands of brokers. How many active users are there? Unknowable; this type of platform will focus on brokers as customers and provide them with a full range of services such as tools and social networking.
3. The loan product and broker display model develops into a financial services loan supermarket B2C mall. At first, I learned from Baidu to charge certification service fees, ranking service fees and online store service fees, hoping to become a Baidu or industry B2B platform for the loan industry.
Later, with the development of the market, intensified competition, and the innate characteristic of loan customers not being sticky, this type of platform began to transform and get involved in small credit loans, credit reporting platforms, financial technology data services, and online The business model gradually resembles that of JD.com in the loan industry, commonly known as a financial services supermarket.
4. Forecast of the development trend of the loan intermediary industry
Generally speaking, due to the stimulation of the previous booming development of cash loans (each loan ranges from a few hundred to a thousand yuan), More and more Internet companies and institutions with scenarios are beginning to get involved in loan customer acquisition platforms, and there are also many companies and individuals that sell loan traffic.
Many banks, such as direct banks and Internet banks, are working hard to develop C-side direct customers. Loan customers can begin to directly connect to funding institutions through this type of loan information platform; if the platform has intelligent matching, intelligent With credit analysis capabilities, C-end users can more conveniently connect with financial institutions and find funds.
Baidu Encyclopedia—Loans