For banks, some banks do not aim at personal loans, but only at guarantee companies, such as G Commercial Bank, and all have cooperation with guarantee companies!
For business managers, some business managers have good performance and are very awesome. They have millions of achievements every month, and they are all big customers, and they are arrogant and don't care about one or two small customers!
For the customer, it may be that the customer's house can't be done, or the age can't be done, or the credit information can't be done, or it can't be done without a business license, so it won't be seen!
Second, risk transfer! Just mentioned that some banks are not targeted at individuals, but only at guarantee companies. Why? Because the guarantee company paid the deposit to the bank, he gave you a guarantee through the guarantee company. The bank is not afraid of your overdue. Because you are overdue, the bank will deduct a certain deposit from the guarantee company. The money will be paid by the guarantee company, but it is different for you to purchase the goods personally. The bank will find you! Banks bear their own losses, so they are not willing to take risks, preferring to guarantee companies to enter!
Third, save trouble! Many customers are unprofessional, don't understand, don't understand, and don't know what materials they need. Even if the business manager tells you what materials they need, customers may not be able to find them. For example, do you know what is output adjustment? Do you know what house inspection is? Do you know what property right certificate, other property right certificate, deed tax invoice and maintenance fund invoice are? You don't know, do you? This will annoy the business manager. After all, the bank manager not only receives your customer every day, but also many other customers, so the guarantee company knows these materials and will take the initiative to take you to prepare! It will save a lot of things!
Fourth, pass the buck! Customer's credit, or liabilities, or lawsuits, houses and other aspects are flawed and need to be packaged, but the bank business manager is unwilling to take the risk of packaging, but the guarantee company will package, they need to make money, they can package, even if there is a problem, they can shift the responsibility to the guarantee company, which has helped them, and has nothing to do with the bank, so the bank shifted it to them! Achieve a win-win situation!
So, do you understand? In fact, loan intermediaries, like insurance intermediaries, real estate intermediaries, securities, stock rights, futures intermediaries, logistics intermediaries, and scalpers in various industries, also serve special people, thus charging a certain service fee or agency fee. As the saying goes, what exists is reasonable! Existence has meaning and value!