This mode has the following advantages:
- Banks can use to thoroughly qualifications, knowledge, experience and skills of credit officers, so the loans are usually higher quality than lending through retail businesses.
- credit Officer lending attaches special importance to the quality of loans, but the retail business of goods and services valued therefor much to the increase in sales over is the quality of loans, more often businesses make decisions, "credits" quickly, should lead to a situation with the credits granted to unwarranted, opposite may refuse to its good customers.
- form direct consumer loans more flexible forms of indirect lending, because the direct relationship between banks and customers should handle the rise, more likely ability to satisfy the interests of both banks and customers.
- due to very large customers thus making the services, new gadgets are very convenient, and is a way to promote the strengthening pictures of the bank to the customer.
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