news

한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina

[An industry insider told reporters that although the regulatory authorities have repeatedly cracked down on illegal loan intermediaries, most of the intermediaries in the market are small and relatively scattered, and the staff turnover is relatively high. When problems arise, the relevant entities are also more likely to cancel their accounts and run away, which makes supervision and rights protection difficult. He suggested that consumers should be wary of illegal loan intermediaries obtaining improper benefits through information asymmetry. If you have already used related products, you should keep relevant contracts, receipts, and fund transaction records to be wary of falling into the trap of illegal intermediaries.]

"Hello, I'm the credit manager of XX Bank's loan center. We can arrange a low-interest loan without collateral for you. Do you have any funding needs?" Xiao Li (pseudonym) has received three of these familiar phone openings in a row within a month.

But after careful questioning, it turned out that the three were not bank employees but private loan intermediaries, claiming to be cooperating with the bank's credit department. "It's just like a puzzle game. If you don't ask a few more questions, you can't tell the truth from the false," Xiao Li said.

The situation Xiao Li encountered is a microcosm of the chaos of loan intermediaries. In recent years, although the trend of strict supervision has continued, loan intermediaries have continued to "impersonate" banks, engage in exaggerated marketing, and guide "AB loans". Due to changes in the market environment, there is even an arbitrage space between the interest rates of existing mortgage loans and business loans, and the illegal loan transfer and interest rate cuts through loan intermediaries have made a comeback.

In response to this kind of situation, the recent industry rectification is being further upgraded. Since August, more than a dozen banks have issued reminders, denying their cooperation with loan intermediaries and reminding investors to be vigilant against the risks of illegal loan intermediaries. In addition, local regulators have also continuously carried out rectification activities, targeting illegal intermediaries.