First of all, due to the low threshold

First of all, due to the low threshold, and without strong external supervision, such agency may break the bottom line of funds into the account, easily absorbed into illegal financial institutions deposits, loans, and may become illegal fund-raising. The event of a malicious fraud or money-laundering and other illegal acts, whether as a credit or debit, personal interests are more difficult to be protected. Currently domestic legislation was incomplete, supervisory duties on such lending limits not, credits for all nature uncertain laws and regulations defined.

Secondly, in terms of business risk, private credit agencies cannot, like banks, entering credit reporting system, understand the credit standing of the borrower, and effective loan management after a network transaction features to make it to significant information technology risk. In addition, "all loan" real estate agency of the second mortgage business the same risks. In recent years, real estate prices have been rising trend that once was reversed, it could have an impact on credit interest. Furthermore, intermediary intermediary costs to facilitate transactions, access to, and may also intentionally overvalued House prices, seriously affecting the realization of right to mortgage.

In addition, such agents is often false propaganda, such as claiming that a bank is a partner, and in fact, the Bank is only provided for the intermediary company account opening services.

In fact, all debit and the biggest risk is that law inadequate. In General, commercial bank lending rate of 4 times in the same period is regarded as usury and Division of non-loan shark. On the people's Court, Supreme People's Court in 1991 issued by lending cases were heard several opinions, provides that: "people can fit above the Bank's lending interest rates interest rates, local people's Court according to the actual situation in the region specific master, to a maximum of not more than bank lending rates of breed 4 times (including interest rates). Exceeds this limit, the excess of interest is not protected. "Benchmark for current year loans interest rate 6.56%, 4 times are 26.24% per cent ' per annum, doubling (simple interest) of or 1.96% (compound) monthly interest.1323 Infrared Themometer
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