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Some people are not interested in unsecured loans

Time: 2013-04-11         Source: Rong 360 original         Author: bamboo

        In the past two years,Unsecured loanProducts and advertisements are everywhere, but many Chinese banks have noMortgageThe business is facing an embarrassing situation and becoming a display.

As a customer, I asked the customer service of many banks, and many banks said that they did not carry out this business. Among the banks that carry out this business, almost all banks are targeting the personal consumer market, but can enjoy it.Personal unsecured loanCustomers, more are the bank's original quality customers. "If you want unsecured loans, then your average daily assets in our bank should be no less than 3 million," said the bank's customer service staff. “Customers can borrow money, but they still need to provide proof of housing. Under the same conditions, married people are better than unmarried people,” said one account manager.

In addition to asset requirements, many Chinese banks are more demanding on the identity of borrowers, and civil servants, monopoly state-owned enterprises, institutions and other identity requirements are not uncommon. This requirement can also be understood as risk control. Unsecured loans are basically guaranteed by personal credit and have high requirements for the stability of personal income. Civil servants, doctors, and university teachers are more stable than ordinary small business owners and are not easy to “disappear”. Even without collateral, it is not easy to default on loans. Therefore, banks will be more inclined to this group. For some employees of monopoly enterprises or administrative institutions, the bank's review procedures are also very simple, and only the work permit can be used for loans.

But are these high-quality customers in the eyes of Chinese banks interested in lending? In the face of the loan interest rate is 1.1 times to 1.5 times the benchmark interest rate, most of the time is short-term loans within six months to one year, and most of them can only be used for consumption. Mr. Huang, a staff member of a political and legal organ, said. "In such a short period of time, we have no money to borrow, and we have a loan of 500,000 yuan. We still have to pay interest of three to five thousand yuan a year.

On the one hand, the target customers are not interested, and on the other side, some people have to bear the high loan costs. Mr. Zhu has been doing business in agricultural machinery. Last year, he needed a working capital of 100,000 yuan, and several banks failed to make loans. Had to find a private fast-loan company, a loan of 100,000 yuan, an annual interest rate of up to 26%.

For most Chinese banks, serving individual customers has not yet become a business focus, but future financial services are actually targeted at individuals. If you ignore potential customers in the early stages of development and adopt a discriminatory strategy, you will eventually be abandoned by customers. Rong 360 called on Chinese banks to actively improve their products, serve the wider population, and achieve inclusive finance.

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