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According to the Red Star Capital Bureau on August 23, recently, many banks including the Agricultural Bank of China and Jiuquan Rural Commercial Bank have successively issued statements and warned of related risks in response to the behavior of loan intermediaries disrupting the market.

The Red Star Capital Bureau noted that "buying houses on behalf of others" and "using business loans, consumer loans and other loans to buy houses" are examples of loan intermediaries guiding borrowers to borrow money.Charge high feesThe main routine.

Several banks issued statements:

Do not cooperate with any intermediaries

On August 22, Jiuquan Rural Commercial Bank issued an announcement stating that the bank and its subordinate institutions have never conducted inclusive loan business marketing cooperation with any loan intermediary institutions or individuals; in the process of handling inclusive loan business, no agency fees, agency fees, handling fees, etc. will be charged to customers.

On August 22, Yangquan Rural Commercial Bank also stated that all of its credit businesses did not cooperate with any intermediary institutions or individuals. When applying for a loan at the bank, in addition to charging the loan interest agreed in the contract, there is no need to pay any fees such as "intermediary fees", "introduction fees", "handling fees", "guarantee fees", "agency fees", etc.

Recently, the Shaanxi Branch of the Agricultural Bank of China stated that the bank and its subordinate institutions have never entrusted any intermediary agency or individual to recommend customers for farmer loan business, nor do they accept customers recommended by intermediaries; the Xiamen Branch of the Agricultural Bank of China stated that the bank and its subordinate institutions have never cooperated with any loan intermediary agency or individual in personal consumption loan and merchant loan business.

Since July, there have beenShanghai Pudong Development Bank, Taiyuan Rural Commercial Bank, Hedong Rural Commercial Bank and many other banks and their branches have issued risk warnings, reminding consumers to guard against illegal loan intermediaries.

Common routines:

"Buying a house on behalf of others" and applying business loans and consumer loans

It is reported that some loan intermediaries will package themselves as so-called financial technology companies,Information ServicesCompanies or loan assistance companies, and even some illegal loan intermediaries, claim to be "XX Bank" or "XX Bank Loan Center". They claim to have internal channels, illegally recruit customers, induce borrowing, forge loan materials, and charge high fees in the name of no guarantee, fast loan, low interest and free of charge.

Taking the typical loan interest rate cuts in recent years as an example, the main routines are: one is "buying a house on behalf of others", that is, the buyer first borrows money from a loan intermediary to help him buy the house in full, and then applies for a business loan from the bank to repay after the house title is issued. The second is to use business loans, consumer loans and other loans to buy a house. This method seems to be "convenient" for home buyers, but it actually hides multiple risks.

In response to this, financial regulatory bureaus and government agencies in many places have issued risk warnings to guard against illegal loan intermediaries this year, and some provinces have publicly stated that they have organized special crackdown operations.

In the first half of this year,State Financial Supervision and Administration BureauThe Hainan Regulatory Bureau issued a statement saying that it had received relevant reports that illegal intermediaries had impersonated banks to conduct false propaganda.

In early July, nine departments including the Office of the Financial Committee of the Jiangsu Provincial Committee of the Communist Party of China and the Jiangsu Regulatory Bureau of the State Financial Supervision and Administration jointly issued the "Notice on Launching a Special Campaign to Crack Down on and Regulate Illegal Loan Intermediaries", stating that they will severely crack down on and regulate illegal loan intermediaries and effectively safeguard the legitimate rights and interests of financial consumers.

Editor Deng Lingyao compiled from Shanghai Securities News and Securities Daily