E-commerce telephone flow loan

Microfinance officer: Hello! Xx unsecured loan products (understand! )/hello! Xx fast unsecured loan products (understand! )

Microfinance officer: Hello, sir/madam! Understand xx credit and unsecured loans. We can help you when you need capital turnover. You only need personal information to handle it, which is convenient and fast, and you can lend money as soon as possible!

Second, telephone conversation.

Microfinance officer: Hello, sir/madam! Please recommend an unsecured loan product guaranteed by xx financing guarantee company. The procedure is simple and quick. Do you or your friends need funds in the near future?

Loan customer: I don't need it now.

Microfinance officer: That's all right. You can see if there are any friends or business partners who need this recently. I will send you my contact information by SMS later. If your friend needs anything, you can contact me. ..... Sorry to bother you, but thank you for your answer. Goodbye!

Third, the product introduction speech

Loan customer: Please introduce your products.

Microfinance officer: We are xx Credit to recommend xxx credit products for you, which can help you to obtain unsecured loan products conveniently and quickly. It's just a company visit. Just bring your income certificate, work certificate, ID card and address certificate, and these simple materials will do.

Lender: How to calculate your interest rate (fee)?

Microfinance officer: Generally, the interest on 10,000 yuan is more than 200 yuan.

Lender: How much is it?

Microfinance officer: Our rates are different according to individual circumstances. Get to know your situation first, and then I will introduce the specific expenses according to your situation.

Loan customer: What materials should be provided for the loan?

Microfinance officer: The materials needed for the loan are relatively simple. In order to handle it for you faster, I can simply understand your situation and then determine what application materials you need to submit.

Fourth, the loan customer screening speech

Microfinance officer: Have you ever borrowed money from a bank? Such as credit cards, mortgages or car loans.

* (If not, do you need to investigate the credit history before deciding whether it meets our requirements, because some people may be using credit cards or quasi-credit cards, but they don't know)

* (If yes, keep asking questions)

Microfinance officer: What about your repayment?

* (According to the screening conditions of credit records, preliminarily estimate the credit information of loan customers to determine whether it meets our requirements. Generally speaking, people who have more than three credit cards are likely to have too much debt, which can be judged by asking whether they are all in use. )