1000g, for many unqualified users, it may be more difficult for users to apply for loans through banks, because banks generally have higher approval thresholds for loans. Some users go to so-called loan intermediaries, such as direct bank loans. Direct loans are more formal and belong to the bank's credit business.

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First, the direct loans of Shanghai and Shenzhen banks are formal loans. At present, banks in Shanghai, Shanghai and Shenzhen have 17 direct lending outlets, and each outlet is a regular business department. In order to further develop the loan business, banks outsource part of the loan business to customers and contact customers through this form. Direct lending is this model. For users who want to apply for bank loans through direct loans, this method is very convenient and the threshold is relatively low. You can choose direct loans from credit loans and mortgage loans. Different loan quotas have different thresholds.

Second, direct loans need to go through the banking process. Generally speaking, when you apply for a direct loan, the salesman you are looking for is the loan intermediary of the bank. The loan agent will ask you for basic information and proof of your ability to repay the loan. It will also ask for your personal credit information. Because the threshold of direct loans is relatively low compared with bank loans, the credit requirements are not so strict, but you can't often apply for or inquire about credit card or online loan records.

Third, direct loans also need to look at personal credit. For users whose personal credit is seriously damaged, they can neither apply for loans from banks nor lend directly. Although direct loan is the nature of loan intermediary, it still follows the bank loan process. If you have a bad credit record in the past three years, basically you won't get all the bank loans. Some intermediaries can promise that you can definitely lend money. Don't believe this promise, because the intermediary usually only submits your information and earns operating expenses.

From the following aspects: in the mode: Shanghai Bank's direct loan cooperates with local banks, which is essentially a bank loan. And the direct loan of Shanghai Bank can play a role in helping loans and credit efficiency. In addition, some products are not open to individuals, but Hu Hui owns the agency rights of these products. So this model is meaningful. As Hu Hui is a lending institution, it can play the role of lending credit, so the pass rate will be much higher than that of banks with high threshold and high audit. In terms of speed, it is definitely much faster than going to the bank to understand the products and fill in the next payment cycle.