Bank of Zhejiang Hefei Branch: Using Cases to Illustrate Risks and Warn Against "Internal Channel" Loan Intermediary Scams

From: Xinhua Finance

In response to the recent scams involving fake “internal channels” for loan processing, Hefei Branch of Zheshang Bank recently identified a risk incident during business operations. Through professional financial knowledge dissemination, they successfully guided customers to avoid illegal loan intermediary traps, effectively fulfilling their responsibility to protect financial consumers’ rights.

Recently, Mr. Wang visited Hefei Branch of Zheshang Bank to inquire about vehicle mortgage loans. According to the lobby manager, Mr. Wang owns a vehicle valued at 100,000 yuan that has already secured an 80,000 yuan mortgage loan at another bank. Due to recent unemployment and inability to repay the due loan, Mr. Wang hoped to apply for a new loan at this bank to pay off the old one. After the lobby manager clearly informed him that the bank could not process such “loan-to-loan” transactions, Mr. Wang looked troubled but also revealed a key piece of information: an employee from the original loan bank recommended a loan intermediary, claiming they could use “internal channels” to process an 80,000 yuan loan to settle his old debt, but he would need to pay a 4,000 yuan “introduction fee.” Doubtful, Mr. Wang sought verification from Hefei Branch staff about the credibility of this channel.

The lobby manager immediately issued a risk warning, clearly stating that such so-called “loan intermediaries” pose significant risks, and advised customers to handle loans through official channels, not to trust the so-called internal channels of intermediaries.

According to Hefei Branch of Zheshang Bank, illegal intermediaries often impersonate “bank internal staff” or “cooperative channel partners,” forging qualification documents and fabricating cooperation backgrounds to deceive customers. In reality, they have no connection with legitimate financial institutions. The so-called “internal channels” are entirely fabricated scams designed to lower customers’ vigilance.

Here, Hefei Branch of Zheshang Bank issues a risk reminder: rationally reject the hype of “internal channels.” There are no so-called “low-interest internal bank channels” or “illegal quick loans.” Legitimate loan approvals strictly follow regulatory requirements and risk control procedures. Do not trust “internal relationships” lightly to avoid falling into financial traps due to greed for convenience. (Liu Yuanyuan)

Editor: Wang Xiaowei

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