Convention. Therefore, the cooperation between both parties often has legitimate contracts, regular invoice transactions, and pays taxes according to law; there is no basis for commercial bribery. Hangzhou banks have stopped payment to another large intermediary. The president of this intermediary also stated: "When the intermediary department carries out personal housing mortgage loan agency work, the staff only has a hidden chain of interest." The relevant department said that there had been instructions from the Zhejiang Banking Association about this matter. "Return points" is a collective behavior in the intermediary industry. If it is stopped, it will affect those who spend a lot of time and energy running to the relevant bank windows, handling complex procedures such as submission and review, and various costs are objectively present. In terms of agency, intermediaries theoretically can earn commission income ranging from 6000 to 8000 yuan from the bank for each transaction. Regarding this amount, most of the buying and selling transactions involve intermediaries justifying the "battleship return point fee" as clean. Regarding this, intermediaries have different views. A general manager of a well-known chain intermediary company said that personal mortgage loans are high-quality assets for banks. Since the second half of this year, after the launch of various projects, banks' lending indicators were completed ahead of schedule, and the "wind" of the second home loan policy gradually tightened, banks gave different "return point" plans to intermediaries in order to gain more mortgage business. Currently, Hangzhou's banks are returning profits to mortgage intermediaries. Loan assets are the inevitable result of market supply and demand relations. The "return point" in mortgage loans is suspected of commercial bribery. Both parties are either unaware or know very little about it. The "return point" is a long-standing "unspoken rule" in the intermediary industry, leading to the passive transformation of bank operating behaviors. Behind mortgage intermediaries, there is also a hidden chain of interest. Not long ago, the Zhejiang Banking Association issued a self-discipline convention (draft for discussion) on mortgage business to Hangzhou's domestic banks. All banks have stopped paying "return point fees" to intermediaries. Each member unit must do a good job in cleaning up the "return point" in mortgage loans. According to the requirements of the Zhejiang Banking Regulatory Bureau, the association will formulate self-discipline regulations. The rate of return for intermediary companies is roughly maintained between six to eight per thousand of the total mortgage amount. In other words, for a 1 million yuan personal housing mortgage loan, intermediaries theoretically can earn commission income ranging from 6000 to 8000 yuan from the bank for each transaction. Because the preliminary preparation cost for banks to directly acquire loan customers is relatively low, banks pay a certain cost to acquire and maintain personal mortgage loan customers. This has a direct impact on stores and salespeople, resulting in significant profit losses for intermediaries. Recently, relevant personnel from a large intermediary in Hangzhou told reporters that for a long time, banks and intermediaries have maintained an ambiguous relationship. Relevant theme articles: Kingsoft Antivirus Free Download - Industry Focus.