How should a bank account manager talk to the first customer?

Now bank account managers are divided into professional type, resource type and compound type, and compound type is basically invincible. If you are not a resource-based account manager, you naturally need to develop new customers. How can I put it? Personally, I think that being an account manager of a bank requires some talent and understanding, and sometimes luck. Let me introduce my personal experience (purely personal, because I have had similar experiences)

If you want to be an experienced account manager, it is essential to visit strangers. This is the first sentence that the teacher told me. The significance of visiting strangers is not that you can grasp customers, but that this experience is very valuable, especially for young people who are just starting out.

I made a lot of phone calls, all of which were unfamiliar. To tell the truth, the chances of success are very low. Speaking terms are very important on the phone. The purpose (sole purpose) of calling is to have an opportunity to meet and talk about business. For example, if you are an account manager of a commercial bank, the difference between you and a state-owned bank lies in credit policies, such as preferential loan interest rates, fee reduction and other preferential policies. From this perspective, you should fully understand the bank's business and the policies of your bank. You must first analyze whether your goal has financing needs. For example, the demand for real estate tends to be obvious, and the production enterprises have a certain production cycle, which means that they also need funds in a certain period of time. You should carefully analyze whether the person you want to visit may be someone who is eager for funds. From this point, you should also understand the industrial chain of this enterprise. With preferential policies, the other party also needs funds, and we can meet. What I saw before, I learned about the main business of the enterprise, the current competitiveness and development prospects of the industry, and the upstream and downstream enterprises (raw materials and sales channels) through the network, and fully understood the nature of the enterprise. When you meet, directly indicate the purpose of your visit, and then talk about your understanding of the company and some of your analysis points. You can ask more questions. This Q&A session will help you understand the needs of corporate executives and make you more familiar with them. The first meeting doesn't necessarily have a substantial result, but it will certainly bring many problems to the enterprise (at least the questions that can't be answered face to face, be recorded in the form of notes, and promise to give relevant answers to the enterprise), so that the second meeting will have the opportunity to gradually accumulate customers through this form.

Account managers require a wide range of knowledge, such as finance, law, macroeconomics and current affairs. This should be understood and even mastered. You can talk about the latest news when chatting. It is better to have corporate news. Be bold. It's really hard to visit strangers. It's hard to succeed the first time. You need to accumulate experience.

Words can't tell you clearly what to do. In fact, some things can't be expressed in words. At this time, I need your understanding. Take your time and do your homework hard. I hope you can succeed,