How to make a loan call?

How to call the dunning phone to collect the loan?

First of all, the dunning phone should follow the following dunning process.

Preparation before the call

After the SMS reminder before the expiration, the customer still fails to repay, so be sure to contact the customer within 24 hours after the expiration. But don't make a phone call in a hurry when you are unprepared, and then ask you three no's when you ask. You can easily be regarded as a "liar" by customers.

1, make preparations before calling, such as checking the business files, understanding the customer's situation, business situation, understanding the cooperation between the customer and the company, and the previous payment situation, and predicting and evaluating the reasons for the customer's overdue in advance.

2. Be prepared to find someone to refuse to pay in advance and make countermeasures. Make an outline of making a phone call, and you'd better practice it before making a phone call. Only by preparing in advance can we have confidence.

Second, how many steps does it take to collect calls?

1, see who the debtor is, don't find the wrong person, the enterprise will be called a legal person, and the natural person will call me.

2. First, tell me which company you belong to. Never ask if you have time. Don't dig a hole for yourself. How can I get back when I have no time? The tone should be sincere and friendly, and the momentum should overwhelm the other party and make him feel the pressure.

3. Tell customers with a firm attitude that they will repay today. Let customers feel your determination to collect money and stand firm.

4, understand the reason, if you forget, then we will solve the repayment problem as soon as we remind you. If the customer can't repay today, the customer who has a strong willingness to repay will inevitably tell the collector the reason for its overdue and clarify the crux. If we explain the reasons for the overdue, we assume that everything we say is true, and then follow up to verify whether it is true.

5. At this moment, someone flinched and began to be considerate of customers. Don't! Don't back down! Explain to customers the advantages and disadvantages of overdue and the benefits of timely repayment! It must be remembered that the rhythm of the whole phone call must be controlled by the collector. If the customer catches the loophole, it will be difficult to successfully collect it. At the same time, you should let the customer know that you are thinking of him!

We must find a solution. If we promise to pay back today, that's fine. If you can't, you have to ask, when can you return it? How to return it? Is it phased or one-off? The debtor must make a promise. But you can't promise that you will report to the company and make a decision.

7. Update file records. The account manager updates the file in time according to the telephone collection.

8. According to the telephone collection, actively follow up and arrange follow-up matters. If an interview is arranged, prepare for the interview and increase the pressure if necessary.

In this process, the account manager should complete four core tasks: demand immediate repayment today, understand the reasons for overdue, state the pros and cons, and get a repayment commitment. In this process, we must follow certain processes and steps. When stating the pros and cons, some obvious default costs faced by the other party, including extra burden, refusal of credit by microfinance institutions and other creditors, great impact on social reputation and evaluation, and poor credit record, must be conveyed to customers in an appropriate way in combination with the customer's situation at this stage. We must grasp the process and rhythm and guide our customers to follow our rhythm. Don't give up easily when customers refuse to pay back because of overdue reasons.

What's the customer service phone number of the credit loan?

Rural credit cooperatives: 96596

The telephone number of credit loans is different for each bank, and only rural credit cooperatives have a unified telephone number. Although rural credit cooperatives do not have a special loan telephone number, users can call the national unified customer service telephone number set up by rural credit cooperatives for consultation. After getting through the customer service phone, you can directly turn to the 0 key for manual service consultation, or you can log in to a rural credit cooperative in official website to inquire.

Here is a description of the credit loan telephone numbers of other banks.

1, the telephone number of Ping An Bank's credit loan is 955 1 1, which is a national unified telephone number.

2. loan: 0538-86 1 1-9289, which is a quick loan diversion app developed and operated by Guangdong hexiang technology co., ltd.

3. China Merchants Bank 800-820-5555

4. Bank of China 800-820-5288

5. China Construction Bank 800-820-0588

6. Agricultural Bank of China 800-8 19-5599

7. Bank of Communications 800-988-8888

8. China CITIC Bank 800-999-5558

9. Minsheng Bank 800-8 10-8008

10, Shanghai Pudong Development Bank 800-820-8788

The following are national calls.

1 1, Industrial Bank 9556 1

12, Industrial and Commercial Bank of China 95588.

13, Bank of China 95566

14, China Construction Bank 95533

15, Industrial and Commercial Bank of China 95588

16, China citic bank 95558

17, Agricultural Bank of China 95599

18, Minsheng Bank 95568

19, China everbright bank 95595

20. Bank of Communications 95559

2 1, Guangfa Bank 95508

22. Shanghai Pudong Development Bank 95528

23. Shenzhen Development Bank 9550 1

24. Huaxia Bank 95577

25. Industrial Bank 9556 1

ICBC Loan Telephone Manual Customer Service

The telephone number of ICBC loan manual service is 95588.

Call ICBC customer service hotline 95588 to directly transfer to personal loan service, which is also ICBC's comprehensive service hotline. General consulting business and handling business can be carried out through this phone. If you want to apply for a loan, you can consult the materials you need to prepare first, and then fill out the application form at ICBC outlets to apply for a loan. When making this call, first select the business to consult according to the voice prompt. If you need to transfer the manual customer service call, please call first, wait for the voice broadcast for a while, then press "9", and then select the corresponding service according to the prompt to connect the manual customer service of ICBC. Please note that if there is no answer, the system may be busy. It is recommended to dial later. So, if you want to apply for a loan in China Industrial and Commercial Bank or know the relevant loan information, you can call this number for consultation. In addition, you can learn about the loan information through ICBC's online banking, and you can also apply for a loan online.

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Matters needing attention in handling loans

1. Loan amount: When applying for a loan, the applied amount should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment. The loan amount should be reasonable. Be sure to make a budget before applying for a loan. The loan amount can be increased by 10% on the basis of the budget. If you exceed this limit, you may have to pay for your irrationality. Ask the total interest of the loan. Zero interest rate is not equal to zero interest, so don't confuse the two. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap.

2. Loan information: The borrower must ensure that the information it provides to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan. Confirm whether the materials are ready. Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager. And determine whether you meet the loan application conditions, including age, work place and working years in this unit, income requirements, credit status, occupation or industry restrictions and so on. If these six elements are up to standard, you can apply with confidence.

3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination. That is, the use of loans should be in compliance. If you are going to gamble and gamble, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.

How to contact the bank loan specialist?

1. Find a suitable loan product in the bank app and apply for the contact information of the loan specialist online.

2. Call the bank directly, and the customer service of the branch will give you the landline number of the credit information center and contact the loan specialist.

How to call the lender?

1. Before calling, the account manager in charge must remind the customer to repay the loan on time before the loan expires. If the customer fails to repay the loan on time, the account manager must contact the customer within 24 hours after the loan expires. Make preparations before making a phone call, such as checking the business files, understanding the customer's situation, business situation, understanding the cooperation between the customer and the company, and the previous payment situation, predicting and evaluating the reasons for the customer's overdue in advance, and making psychological preparations and coping measures in advance for the reasons of not finding someone and other reasons for refusing to pay. Make an outline of making a phone call, and you'd better practice it before making a phone call. Only by preparing in advance can we have confidence. 2, the basic steps of making a phone call, the first step: confirm the identity of the other party, be sure to find the right person. Now everyone has a mobile phone number. If the borrower is a natural person, call the natural person directly. If the other party is an enterprise, it is best to contact the person in charge or the boss directly. Step two: identify yourself. If you are particularly familiar with it, the first two steps can be omitted appropriately. In addition, there is another detail. Try not to ask the other party if it is convenient to answer the phone at the beginning. How do you respond if the other party says it is not convenient to answer the phone? Our suggestion is to come straight to the point on the basis of confirming the identity of the other party and showing our own identity, which is different from making an ordinary phone call. The tone should be urgent, and the momentum should be down, so that customers can feel our attention to this issue-we must let customers feel the pressure and our determination to collect money.

Telephone collection must end with a promise. Pay attention to the tone and wording in this process. Respond to customers' uncooperative and unfriendly behavior in time. Paying off debts is a matter of course. We were born to squeeze each other. Generally speaking, after the telephone collection, they will come to know each other's situation. Door-to-door collection can be roughly divided into three categories: door-to-door confirmation, door-to-door search, and door-to-door default. Confirmation of the first telephone payment. Door-to-door collection is our most commonly used collection combination.

Opening remarks of loan telephone

Loan phone number 1 opening remarks

As an excellent telemarketing operator, when calling customers for the first time, you must introduce yourself to the company within 30 seconds, so as to arouse customers' interest and make them willing to continue chatting.

That is, the salesperson should clearly let the customer know the following three things within 30 seconds:

1. Who am I and what company do I represent?

2. What's the purpose of my calling the customer?

3. What's the use of our products for customers?

Opening remarks of telemarketing: direct opening method

Shop assistant: Hello, Miss Zhu/Sir? I'm Li Ming, a medical consultant of Mo Company. I disturb your work/rest. Our company is doing market research. Can you do me a favor?

Guest Zhu: It doesn't matter. What is this?

Customers can also answer: I am busy, or in a meeting, or refuse for other reasons.

The salesman must interface immediately: I'll call you back in an hour, thank you for your support.

Then, the salesman should take the initiative to hang up!

When you make a phone call an hour later, you must create a familiar atmosphere and shorten the sense of distance: Miss Zhu/Mr. Hello, my name is Li.

You told me to call 1 hour later? )

Telemarketing speech prologue 2: the opening method of similar excuses

For example:

Shop assistant: Miss Zhu/Mr Zhu, I'm Li Ming, a consultant of XXX Company. We haven't met before, but can I talk to you for a moment?

Guest Zhu: Yes, what is it?

Customers can also answer: I am busy, or in a meeting, or refuse for other reasons.

The salesman must answer immediately: I'll call you back in an hour, thank you.

Then, the salesman should take the initiative to hang up!

When you make a phone call an hour later, you must create a familiar atmosphere and shorten the sense of distance: Miss Zhu/Mr. Hello, my name is Li.

You told me to call 1 hour later? )

Telemarketing prologue: introduction by others

Shop assistant: Hello, Miss Zhu/Mr Zhu, I'm Li Ming, a medical consultant of a company. Your good friend Wang Hua is a loyal user of our company. He suggested that I call you. He thinks our products also meet your needs.

Guest Zhu:? Why don't I listen to him?

Shop assistant: Really? I'm really sorry. I guess Mr. Wang hasn't come recently for other reasons. Let me introduce him to you.

Look, I'm in a hurry to make a phone call.

Guest Zhu: It doesn't matter.

Shop assistant: I'm sorry about that. Shall I give you a brief introduction of our products?

Opening remarks of telemarketing speech 4: self-reported opening remarks

Shop assistant: Hello, Miss Zhu/Mr Zhu, I'm Li Ming, a medical consultant of a company.

However, this is a sales call. I don't think you will hang up right away!

Customer Zhu: Selling products, cheating. I hate salesmen!

Customers may also answer: What products are you going to promote?

If so, you can directly intervene in the product introduction stage)

Salesman: Then I really have to be careful not to let you add another annoying person, hehe.

Guest Zhu: Hehe, the young man is very humorous. What products are you going to sell? Tell me about it.

Salesman: Well, our company's medical expert group is doing a market survey on xxx recently. What do you think of our products?

Telemarketing speech prologue 5: Deliberately picking faults with the prologue method.

Shop assistant: Hello, Miss Zhu/Mr Zhu. I'm Li Ming, a medical consultant in a company. How have you been recently? Do you still remember me

Guest Zhu: Fine, and you? !

Salesman: Well, our company mainly sells sheep xx products. You called us to buy them six months ago, and we provided you with some trial products.

I'm calling you this time to ask if you have any valuable opinions and suggestions on our products.

Guest Zhu: You have the wrong number. I didn't use your products.

Shop assistant: No way. Is it because my client's return visit file records are wrong?

Excuse me, may I ask what brand of beauty products you are using at present?

Guest Zhu: I am using XX brand beauty products now.

Opening remarks of telemarketing speech 6: Pretending to be familiar with the opening remarks.

Shop assistant: Hello, Miss Zhu/Mr Zhu. I'm Li Ming, a medical consultant in a company. How have you been recently?

Guest Zhu: OK. Who are you?

Shop assistant: No way, Miss Zhu/Mr Zhu, you are forgetful. I'm Li Ming. You should pay attention to your health when you are under pressure at work.

By the way, have you used our beauty products? Do you feel good? Recently, we just launched a joint service package. I wonder if you are interested?

Guest Zhu: You may have the wrong number. I didn't use your products?

Salesman: I won't make a mistake about the customer's return visit file.

Miss Zhu/Sir, I'm so sorry! May I introduce our products to you and provide some services?

Guest Zhu: It seems that you care about users. Please introduce yourself.

Opening remarks of telemarketing speech 7: herd mentality opening remarks

Shop assistant: Hello, Miss Zhu/Mr., I'm Li Ming, a medical consultant of a company. Our company specializes in selling xx anti-aging beauty products. The reason why I am calling you is that our products have successfully helped many people (such as Maggie Cheung, Brigitte Lin, Kimura Takuya, etc.). ). May I ask which brand of anti-aging beauty products you use?

Guest Zhu: Really? I am currently using XX brand beauty products.

Opening remarks of telemarketing speech 8: Clever use of Dongfeng to open the speech

Shop assistant: Hello, is this Miss Zhu/Mr Zhu?

Guest Zhu: Yes, what is it?

Shop assistant: Hello, Miss Zhu/Mr., I'm Li Ming, a medical consultant of a company. The main reason for calling you today is to thank you for your consistent support to our company. Thank you!

Guest Zhu: Nothing!

Salesman: In order to thank the old customers for their support to our company, the company has specially prepared a special reward activity, which I think Miss Zhu/Mr. Zhu will be very interested in!

Guest Zhu: Tell me about it!

Opening remarks of telemarketing speech 9: Opening methods to create anxiety

Shop assistant: Hello, is this Miss Zhu/Mr Zhu?

Guest Zhu: Yes, what is it?

Shop assistant: I'm Li Ming, a medical consultant of a company. The main reason for calling you is that many customers have reported that most of the current beauty products are temporary measures, and once they stop using them, they will rebound immediately. I'd like to ask your opinion on this issue.

Guest Zhu: Right. ......

The customer may also answer: Sorry, I don't know.

Salespeople should quickly interface: What brand of products is Miss Zhu/Mr Zhu currently using?

The purpose of effective opening remarks is to make customers interested in telemarketers and conversation content in the shortest time, so that they can get to the point quickly in the conversation, rather than hanging up the phone and making you unable to get involved in the topic.

Opening remarks of loan telephone II

Opening remarks of telemarketing 1: interest attraction method telemarketing opening remarks style salesman: How do you do, Director Wang? I am the sales manager of Compass Network Company. I'm sorry to bother you.

We recently developed a new website template. The main audience of this product is basically the same as the target customers of your company's products. We have tested that you can achieve the effect of your previous advertisement at half the price. I hope I can recommend it to you.

If the customer is interested, please continue. If the customer answers: I am busy, or in a meeting, or refuses for other reasons.

The salesman said at once, I'll call you back in an hour. Thanks for your support.

Then, the salesman should take the initiative to hang up! Call back in an hour, and there should be a familiar feeling: Hello, Director Wang! I am the sales manager of Compass Company. You told me to call in 1 hour.

The greatest salesman's telemarketing opening remarks: This is the most honest telemarketing opening remarks and the most commonly used telemarketing opening remarks.

The key to this kind of telemarketing prologue lies in the description of product benefits, so as to impress customers and listen to you.

This kind of telemarketing skills and words are more suitable for customers who have obvious demand for products.

In addition, once the customer refuses because he is busy or in a meeting, he will immediately turn to telemarketing skills and words to arrange the next time.

Telephone sales speech telephone sales opening remarks 2: friend recommendation method telephone sales opening remarks style salesman: hello, Mr. Wang, I'm Wang Ping, the account director of an advertising company. Your good friend Li Yuhua is a long-term user of our company. We had dinner and chatted together yesterday. He introduced me to your hard work experience, especially your perseverance and unique creativity, which made me admire. I asked to know you. He gave me your phone number and thought our product was more in line with it.

Customer: Ah, you flatter me.

Comments on the opening remarks of telemarketing: The advantage of using friend recommendation method as telemarketing skill is that it can quickly reduce customers' vigilance and vigilance against strange salesmen. Note that the salesman deliberately emphasized that Li Yuhua is a long-term customer, so as to increase the customer's trust in himself.

In addition, it is a key to introduce a friend how to recommend this kind of telemarketing opening remarks. You can praise the customer through your friend's mouth and get the customer's good opinion, so it will be difficult for him to refuse you again.

Even if the customer refuses, you can still reschedule with the skills and words of telemarketing and get the opportunity to sell again.

Telemarketing prologue 3: Everyone is a French telemarketer prologue. Shop assistant: Hello, Mr. Wang, this is Xiao Liu from an advertising company. We have a special advertising media for high-end customers, and the effect is very good. Many well-known companies with the same nature as yours, such as XXX company and XXX company, have used our advertising media for a long time. Have you considered this media of our company?

Comments on the telemarketing prologue of The Greatest Salesman: The application of this telemarketing prologue is the application of conformity psychology. Here, we should pay attention to the use of this telemarketing skill. The companies used as examples are big companies that are as well-known as possible or companies that customers are familiar with.

On the one hand, it can increase the customer's trust in the product and himself, on the other hand, it can make him more inclined to follow the crowd.

So much for the introduction of how to make a loan call.