How to market the loan business and how to market the loan

1, with professional knowledge, although loan officers are only the most basic working members in the credit industry, they also need professional knowledge, so that when facing customers, there is a lot to introduce, so that customers can know what credit is and how to operate it.

2. Keep a good attitude. In the workplace, no matter what job you are engaged in, a good attitude is necessary for an excellent employee. A good attitude will help us overcome the difficulties and setbacks in our work, and help us to deal with customers better and become an excellent loan officer.

3, do a good job in colleague relations, since people in the workplace naturally need good popularity, which is also a condition for being a good loan officer. Good interpersonal relationships are beneficial to your work, and sometimes colleagues will help you close deals with customers and increase your performance.

4. Keep learning ability, so as to make continuous progress. To be a good loan officer, you still need to keep pace with the times, otherwise you will be eliminated. Whether it is something within your professional knowledge or something else, it will be helpful to your work and personal growth.

5, good at communication, can make customers trust, at the same time, let customers make a comfortable transaction. This is also very important. In fact, for loan officers, they need to constantly deal with customers. If they are good at communication, it will help them to carry out their work and make customers trust themselves.

6. Get on well with the boss and strictly carry out his orders. Good employees must be employees with strong execution, and loan officers are no exception. Doing your job well and strictly implementing the requirements of your boss is also one of them.

How to do loan marketing well

First, make clear which market to develop, and then find out where this market is in your area, so that you can systematically publicize and develop and occupy this fast market more quickly.

Secondly, credit staff should have strong professional knowledge and business skills, and colleagues who solve customer problems should be able to promote our loan projects according to the actual situation of customers.

Thirdly, as an excellent credit worker, we need not only good professional knowledge, but also rich relevant knowledge, which requires us to "know ourselves and ourselves" and make our relationship with customers closer.

Fourth, credit personnel must have comprehensive analytical ability, so that credit evaluation and decision-making can be based on scientific, reliable, safe and basic conditions, and the loan risk can be minimized.

Finally, loan officers should have a deep foundation in the superficial ability of language and writing. Otherwise, it will directly affect the image and service quality of loan officers. This requires that the loan officer must have a series of positive, effective and strict organization and coordination, be good at coordination, be humble and impatient, be rude and informal, and fully display the good image of himself and the Postal Savings Bank.

Ways to find customers:

Find some effective phone numbers through your own channels, make strange phone calls, conduct telemarketing, and introduce yourself as a lender by phone. Pay attention to polite language when making a phone call, and don't disturb others when they are resting.

Send messages in groups by mobile phone, edit short messages in advance for your business, send them to others in groups, and spread the net widely.

Go to the street, go to crowded places, and send out your company's publicity pages. Remember to leave your phone number on it. Remove the company number so that others can contact you directly if they need it.

By going to some office buildings, office buildings, residential quarters and other places, we will promote our business by sweeping the buildings.

Start the circle of friends and classmates around you and let them introduce you. If you succeed, you can give some benefits to your friends and classmates, please eat and so on. In your own way.

Cooperate with classmates from other companies. For example, if a person doesn't have enough money to borrow from other companies, he can go to his own company to refinance through the introduction of fellow salesmen, and then return the commission to the introducer.

Promote business through self-media promotion, such as Weibo, WeChat, QQ Space, QQ and other channels.

The other is to serve the well-developed customers and conduct secondary sales in the future.

The best vocabulary for telemarketing loans

The best vocabulary for telemarketing loans

The best words for telemarketing loans, for different sales "lists", the effect of using different words by salespeople will be very different. The sales pitch of telephone loan is almost the same as other sales pitches. This is targeted and effective marketing. The following are the best words for telemarketing loans.

Best words for telemarketing loans 1

Loan telemarketing

First, the loan sales opening remarks

The word 1- is simple and clear.

Guest: Hello, where is it?

Credit Manager: Hello, excuse me, we are loan officers of xx Loan Company. Is there any demand recently?

Guest: No need.

Credit Manager: Never mind. You can spend two minutes learning about our loan products, and you can use them in the future if you need them, right?

Speech art 2- friend recommendation method

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently. He just borrowed money from us recently, so he asked me to contact you. I don't know when you need funds here!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry, I'm in a hurry first! I'm really sorry!

Guest: Never mind!

Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long. Is it convenient for you?

Speech 3- Humorous Methods

Loan officer: Hello, is this Mr. Wang?

Customer: Who are you? What can I do for you? )

Loan officer: Mr. Wang, I am sending you money!

Guest: Oh? What money should I send?

Loan officer: Well, my name is Xiao Li, and I am a loan officer of xx Loan Company. We specialize in unsecured credit loans. We can borrow up to 500,000 yuan, and we can lend money in about three days. If you need funds recently, you can come to us!

Customer: Didn't you say to send money?

Loan officer: There is interest on the loan, but I can treat you to dinner for free!

Speech 4- Pretending to be familiar with the law

Loan officer: Good morning, Mr. Wang!

Customer: Who are you? Can I help you?

Loan officer: I'm Xiao Li from xx Company. I contacted you about the loan some time ago. Do you remember?

Customer: Why don't I remember?

Loan officer: Mr. Wang, you must be very busy recently! This is Xiao Li from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 500 thousand! I should remember something this time!

Best vocabulary for telemarketing loans II

Knife penetration method

Credit Manager: Hello, I am a bank loan, unsecured, unsecured, and the fastest loan 1 day. Do you need it recently?

Customer: No need!

Credit Manager: Never mind. We can add a WeChat. If a friend asks you for money, you can recommend my WeChat to him. You won't be embarrassed to solve his problem, don't you think?

Guest: You can have this. Please add it.

Friendly reminder: Go straight to the list suitable for general quality, especially those who are uncertain or unfamiliar with the list type. This method is the most suitable. For example: calls from colleagues, list of joint numbers.

Invitation notification method

Credit Manager: Hello, is this Mr. Wang from XX Company?

Customer: Who are you? Can I help you?

Credit Manager: We are XX Small and Medium Enterprises Association. In order to help promote the development of enterprises in XX area, your company's conditions meet the conditions of our bank's credit loan support funds. The interest is XX to XX, and the maximum support amount is 20,000 to 500,000. I want to know how much money your company needs at present.

Customer: What information do you need?

Friendly reminder: this method is suitable for loans to enterprises or shareholders, and can be used by an association, a financial institution or an institution. For example, the credit card center allows you to apply for installment, and cooperation between certain institutions. Or XX company and XX enterprise cooperate to launch XX loan products.

Notification of new products and activities act

Credit Manager: Hello, is this Mr./Ms. XX?

Customer: Who are you?

Credit Manager: Hello, this is Manager Li who gave you a loan earlier. Now the company has introduced a new product with low interest. I think this product is more suitable for you. Do you need to handle it?

Customer: OK, what information do you need?

Friendly reminder: this method is most suitable for old customers or customers who have been rejected before, as well as the post-loan customer list of other channels, which will make customers feel your attention and then communication will be more convenient.

Pretend to be familiar

Credit manager: Good morning, Mr. Wang!

Customer: Who are you?

Credit Manager: This is Xiao Li from XX Company. I contacted you some time ago. Before that, you told me that you wanted to know about the loan. Do you remember?

Customer: I don't remember?

Credit manager: Mr. Wang, I guess you have been too busy recently! I'm from XX loan company. What is our company mainly engaged in? Unsecured credit loans, the application materials are also very simple, and you can lend money within 500,000 on the same day! Do you need funds now?

Friendly reminder: this kind of opening remarks requires you to know more about the customer's information, such as name, company, position, etc. This will improve the efficiency a lot, and customers will not feel so disgusted when dialing.

Friend recommendation method

Credit Manager: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Credit Manager: Hello, Mr. Wang, this is Xiao Li from XX Loan Company. Your friend Zhao Zong recommended me. He has just applied for a loan in our company. Let me ask you if you have any financial needs recently.

Guest: Zhao Zong? Zhao Zong who?

Credit Manager: Well, what does our company do? A loan? Interest? Do you think you have any needs?

Customer: So, what about your company's loan?

Credit manager: Our handling is also very simple? .

Best vocabulary for telemarketing loans 3

First, the opening formula

Hello! I'm manager Li of XXX company. Do you have any needs recently?

Yes, start asking about the demand.

No, I'm sorry to bother you. I wish you peace! Goodbye! Remember to send text messages or add customer wechat, which is convenient.

Contact you later!

Second, guide the in-depth formula

According to the different types of loans, ask customers whether to go to work or do business. If there are both, ask whether it is a legal person first.

Table,

What is the purpose of your loan? Be sure to ask what the loan is for and when it is needed. Want to borrow more

Less? How long will it take?

Third, the formula for office workers to sell electricity

Question: working hours, salary, average income, and whether there is comprehensive credit card debt.

Four, the merchant power marketing formula

Query order: company information, whether the company is a legal person, and how long the company registration period will be publicized to the public.

Personal situation, average income, total credit card, other assets compared with other liabilities.

Five, the house and car sales formula

Is the house a mortgage or a full personal loan or how many square meters has it been provided for how long?

Is the car mortgaged? What's the price of naked cars? How many years have you used it?

Sixth, the opening remarks are simple and straightforward.

Guest: Hello, where is it?

Credit Manager: Hello, I am the credit specialist of xx Loan Company. Do you need it recently?

Guest: No need.

Credit Manager: Never mind. You can take two minutes to learn about our loan products, and you can send them later if necessary.

Yes, you're right!

Seven, opening remarks, friend recommendation skills

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently.

Yes, he just borrowed money from us recently, so let me contact you too. I don't know when you need it

Where is the money!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry. I'm here.

First hurry! I'm really sorry!

Guest: Never mind!

Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long.

Room, is it convenient for you?

How to promote the loan industry?

Promotion methods of loan industry:

1. Inquire about the enterprise on the Internet and find the phone number of the merchant, which can be used for marketing. You can also go to the data company to learn about local business information.

2. Sweep the street to the shops on the street and visit one by one; When you get acquainted with the merchants, you can cooperate with the shops and advertise in front of them.

3. Print business cards and publicize them, distribute them in crowded street areas, and insert business cards in parking lots.

4. Publish relevant information to local forums, post bars, short video platforms, friends circles and groups through the Internet.

A good method of loan marketing

The first is to choose customers. Choosing a loan customer means choosing the market and opening up the market, mainly from: 1. The customer's industry. When choosing customers, we should pay attention to the prospect of their industry and tend to cultivate developing enterprises. The second is the customer's own situation and loan purpose. According to the customer's credit status, credit record and personal morality, it is decided whether the loan can be recovered as scheduled.

To complete the understanding of customers and projects, our account managers should do the following: first, interview, that is, effectively identify customers, understand the real use of loans, investigate the borrower's credit status and repayment ability, ensure the authenticity of loans, and effectively prevent loan risks. The second is credit investigation, that is, the customer's credit status, to determine whether the customer's loan application conforms to the credit policy of rural commercial banks. Credit evaluation usually adopts five criteria: personal morality, repayment ability, capital situation, business environment and guarantee situation. Third, financial analysis, including the accounting statements and other relevant materials of the enterprise, analyzes and evaluates the past and present profitability, operating conditions, solvency and growth ability of the enterprise from the aspects of financing, investment, operation and distribution.

The second is to cultivate customers. From the management point of view, we are more inclined to cultivate potential long-term partners. To be an excellent account manager, you should not only be an investment and financial adviser to customers, but also be a right-hand man to customers. You should also be a "think tank" for clients' career growth and know all aspects of their life, work and career.

The third is innovative products. From the marketing point of view, loans need new products constantly, but the variety of loan products is relatively stable, but this does not prevent us from flexibly arranging loans according to customers' needs, or even tailoring loans for customers; Appropriate loan structure arrangement is no less than creating new loan varieties, which is very important for loan customers to repay loans on time.

The fourth is overall management. From the business content, in addition to creating new loan varieties for customers, making them more suitable for customers' needs, it also provides a good opportunity to create more business opportunities in the process of loan negotiation with customers. In today's increasingly competitive financial services market, it is very important to cross-sell other banking products and services. For example, customers need to use corporate online banking, personal online banking and mobile banking for remittance. If loan customers promote their products, they can promote them on our online banking merchant platform, and tap the upstream and downstream customers of loan customers, which may create a new customer.

So much for the introduction of how to market loans.