Due to the vitalization of the financial market following the development of information and communication technology, financial investments and financial loans through financial institutions are actively taking place. Financial institutions collectively refer to institutions that raise funds from deposits and lend them to individuals or companies, or invest in securities, and their main function is intermediary of funds. At this time, money brokerage, that is, loans from financial intermediaries, has a positive function due to the need for necessary funds, but it can also cause a negative function. If a company’s reliance on banks for corporate loans is excessive, the bank gains an advantage in the financial intermediary process, seeking excess profits within the bank or passing on unnecessary costs unrelated to loans to the company. There is a very high possibility that adverse effects will occur in financial intermediation that reduces the value of companies by placing burdens on them. The adverse effects of financial institutions’ corporate loans include, first, that financial institutions can pursue excess profits by utilizing proprietary information in companies and the capital market; Third, when the stability of financial institutions is at risk, there is a high possibility that corporate loans, which are highly dependent on financial institutions, will be adjusted first. As improvement measures, first, resolution of information asymmetry, second, reduction of transaction cost per transaction, third, strengthening of information accessibility, and fourth, enhancement of collateral capacity were suggested.