How to market credit loans and how to better market loans.

How to do a good job in loan marketing

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

Secondly, credit workers must have strong professional knowledge and business skills, and colleagues who solve customers' questions 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 know ourselves" and make our relationship with customers closer.

The fourth credit staff must have comprehensive analysis ability, so that the credit evaluation decision can be based on scientific, reliable, safe and basic conditions, and the loan risk can be minimized.

Finally, credit 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 loan officers must have a series of positive, effective and strict organization and coordination, be good at coordination, be humble and not resistant, be rude and informal, and fully display the good image of themselves and the postal bank.

Ways to find customers:

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

use your mobile phone to send messages in groups, edit your own business messages in advance, send them to others in groups, and spread the net widely.

Go out into the street, go to a crowded place, and distribute your company's leaflet. Remember to leave your phone number on it. Remove the company number, and others can contact you directly if they need it.

by going to some office buildings, office buildings, residential quarters and other places, we will publicize our business in a sweeping way.

mobilize friends and classmates around you to make referrals to you. If you succeed, you can give your friends and classmates some benefits, such as inviting them to dinner, in your own way.

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

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

in addition, it is to serve the customers that have been developed well and conduct secondary sales in the future.

how to promote the loan industry?

Promotion methods of loan industry:

1. Inquire about enterprises on the Internet and look for the telephone number of merchants, which can be used for marketing. You can also go to the data company to get local business information.

2. Go to the shops on the street by sweeping the street and visit them one by one; After getting acquainted with the merchants, you can cooperate with the store, advertise in front of the store

3, print business cards and publicize them, distribute them in crowded street areas, insert business cards in the parking lot

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

How to do a good job in credit business

Credit business is also called credit assets or loan business. Below I will solve the method of doing a good job in credit business for you, hoping to help you.

methods of doing a good job in credit business

1. Necessity of implementing marketing

The nature, characteristics and market positioning determine that it must carry out marketing, for example, the financial environment has changed rapidly and no new marketing consciousness has really been formed. Its outstanding performances are as follows: firstly, the service inertia formed by the financial market still exists, and the business concept is based on itself, and it is used to doing things according to the tasks and plans assigned by superiors, without paying attention to changing the concept in time and putting it in a correct position. The phenomenon of "it is difficult to get in, it is ugly, and it is difficult to do things" is more common. Secondly, the idea of being complacent and content with the status quo is serious. Waiting for customers to come, lack of pioneering consciousness, passive marketing, no attention to customer analysis, ignorance of lending, reluctance to lend, fear of responsibility, fear of taking risks, fear of punishment, lending to the rich without lending to the poor, lending well without lending badly, supporting the strong without helping the weak. Weak marketing consciousness and backward marketing concept, which are difficult to meet the requirements of market changes, have become an important reason for restricting the development of marketing work and improving market competitiveness and profitability. (The following can be played according to the framework)

Second, according to the changing requirements of the financial system, Marketing must be implemented. 3. Advantages that marketing can bring into play. 2. Marketing status quo

1. Marketing concept 2. Marketing environment 3. Market positioning deviation

4. Marketing mode innovation 5. Marketing personnel quality

3. Selection of marketing strategy

First, establish a correct marketing concept

Second, build a marketing environment strategy; Third, market segmentation and positioning strategy; Fourth, marketing talent strategy

Fifth, timely implement relationship marketing

Fourth, We should carry out relationship marketing from the following aspects

first, pay attention to the satisfaction of customer service

second, actively and steadily carry out the work of account manager

third, advocate all-staff marketing

fourth, establish the restraint and incentive mechanism of marketing

⑴, establish the incentive and reward system of marketing

The loan types of credit business

① According to the different loan subjects, Among them, entrusted loan means that the client provides funds, and the bank, as the trustee, handles the loan formalities according to the object, purpose, amount, term and interest rate specified by the client, and only charges the handling fee and does not bear the risk of the loan. Specific loans refer to loans issued by solely state-owned banks after being approved by the State Council and taking corresponding remedial measures for possible losses caused by loans.

② According to the different credit of borrowers, loans can also be divided into credit loans, secured loans (secured loans, mortgage loans,) and bill discounting.

③ According to the different purposes of loans, they can be divided into working capital loans, fixed assets loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, all borrowers should provide guarantee, except those who have been examined, evaluated and confirmed by the lender that the borrower's credit standing is good and can repay the loan.

loan contract for credit business

A contract is an agreement that clarifies the rights and obligations of all parties. A loan contract is an agreement between a bank and a borrower to provide funds for the borrower's use according to the agreed purpose and repay the principal and interest on time. The loan contract is the legal basis for determining the rights and obligations of the bank and the borrower. Its main contents include: loan type, loan purpose, amount, interest, term, repayment fund source and repayment method, guarantee clause, liability for breach of contract, and other terms agreed by both parties. The content of the loan contract is equivalent to the law between the parties. Any party who violates any of the clauses constitutes a breach of contract and should bear the corresponding liability for breach of contract.

Some suggestions on how to do a good job in loan marketing

To do a good job in loan sales, we need to start from the following two points:

There are three kinds of problems about statements

One is false statements; The second is the wrong report; Third, there is no report.

As a loan officer, it should be a basic skill to identify false and wrong statements. No matter what enterprise, whether it is false statements, wrong statements or no statements, as a loan officer, the real statements should be made first, that is, "report reengineering".

The main financial statements include balance sheet, income statement and cash flow statement. According to the new accounting standards for business enterprises, small enterprises may not prepare cash flow statements. But in fact, the cash flow situation of small enterprises is the most useful for credit personnel. The balance sheet reflects the assets and liabilities of the enterprise at a certain point, and assets = liabilities owner's equity. The so-called report reengineering is to add the balance sheet from left to right.

How to adjust the assets and liabilities in the false and wrong statements with left subtraction and right addition

Monetary funds refer to cash, bank deposits and other monetary funds. Generally speaking, cash insists on seeing is believing. You should see what the enterprise management authorities have recognized. When you see the real bank deposit statement, you will recognize it. When you see it, you will recognize it. If you don't see it, you will subtract it from the monetary fund account on the left side of the balance sheet.

the best words for telemarketing loans

the best words for telemarketing loans

the best words for telemarketing loans will have very different effects for different sales "lists". The sales words for telephone loans are almost the same as other sales words. This is targeted and effective marketing. Here are the best words for telemarketing loans.

the best words for telemarketing loans 1

the words for telemarketing loans

1. the opening words for loan sales

the words 1-simple and direct

customer: hello, where?

Credit Manager: Hello, excuse me, we are the loan officers of xx Loan Company. Are you in need recently?

customer: no.

Credit Manager: It doesn't matter. You can spend two minutes learning about our loan products, and you can use them if you need them in the future, right?

Speech 2-Friend Recommendation Method

Loan officer: Hello, is this Mr. Wang?

customer: yes, who is it?

loan officer: hello, Mr. Wang, I'm Xiao Li from xx loan company. Your friend Zhao Zong told me that you may need funds recently, and he just borrowed money from us recently, so let me contact you. I don't know when you need funds here!

customer: Mr. Wang? Who's manager Wang? I didn't know that!

loan officer: huh? He hasn't told you yet? It is estimated that he was too busy to tell you recently! He is not in a hurry, but I am in a hurry first! I'm really sorry!

Customer: Never mind!

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

Words 3-Humor Method

Loan officer: Hello, is this Mr. Wang?

customer: who is it? (What can I do for you?)

Loan officer: Mr. Wang, I'm here to send you money!

customer: oh? What money should I send?

Loan officer: Well, I am a loan officer of xx Loan Company, Xiao Li. We specialize in unsecured credit loans, and we can borrow up to 5, yuan, which can be released in about three days. If you need funds recently, you can come to our side!

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 is it? Can I help you?

loan officer: I'm Xiao Li from xx Company. I contacted you some time ago and talked to you about the loan! Do you still remember?

customer: why don't I remember?

loan officer: Mr. Wang, you must be too busy recently! I'm Xiao Li from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 5, yuan! This time I should remember something!

the best way to make a telemarketing loan 2

get straight to the point

credit manager: hello, I am a bank loan, unsecured and unsecured, and I can lend money within one day at the earliest. Do you need it recently?

customer: no need!

Credit Manager: It doesn't matter. We can add a WeChat. If a friend asks you for money, you can recommend my WeChat to him. You won't be embarrassed and solve his problem, don't you think?

Customer: You can have this. Please add it.

Friendly reminder: This method is most suitable for the list with average quality, especially for those who are not sure or familiar with the type of the list. For example: the list of colleagues' calls and joint numbers.

Invitation Notification Method

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

customer: who is it? Can I help you?

Credit Manager: We are the 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 credit loan support funds. The interest is XX to XX, and the maximum amount of support is 2, to 5,. I wonder how much funds your company needs at present?

customer: what information do you need for this?

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

Law on Notification of New Products and Activities

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

customer: who is it?

credit manager: hello, I'm manager Li who gave you a loan before, and now the company has launched 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 the most suitable for old customers, customers who have been rejected before, and the list of post-loan customers from other channels, which will make customers feel your attention and facilitate subsequent communication.

Pretend to be familiar with the law

Credit Manager: Good morning, Mr. Wang!

customer: who is it?

Credit Manager: I'm 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 still remember?

customer: I don't remember?

credit manager: Mr. Wang, it is estimated that you have been too busy recently! I'm from XX loan company, and our company is mainly engaged in? Unsecured credit loan, the application materials are also very simple, and the loan can be made on the same day within 5 thousand! Do you have a demand for funds now?

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

friend recommendation method

credit manager: hello, is this Mr. Wang?

customer: yes, who is it?

credit manager: hello, Mr. Wang. I'm Xiao Li from XX loan company, recommended by your friend Zhao Zong. He just applied for a loan in our company. Let me ask you if you have any financial needs recently.

customer: Zhao Zong? Zhao Zong who?

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

customer: well, what about the loan from your company?

credit manager: our handling is also very simple? .

the best words 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 for requirements.

no, sorry to bother you. I wish you peace! Goodbye! Remember to send a short message or add a customer's WeChat, so as to facilitate contact

later!

second, guide the in-depth formula

according to the different types of loans, ask customers whether they are going to work or doing business? If you have both, first ask whether it is a legal person

, and

what is the purpose of your loan?