Skills of loan intermediary routine

Learn a little every day and avoid the loan intermediary routine.

Common marketing methods of intermediary:

1 SMS group sending. The common content is that this is a bank, as long as it meets any conditions, or how many lines can be activated directly, and you can confirm by replying to Y, and so on.

2 Telemarketing. It is common to call yourself a bank credit center, and so on. After knowing some basic information, you will be invited for an interview. The interview address is often on the floor of a building.

3 platform promotion to get customers. Advertise after paying in some promotion platforms, and users can get contact information after clicking.

4 the sale of some resources, etc.

Some conventional charging methods commonly used by intermediaries:

1 service charge. If notified directly, a service charge of 3 points will be charged after payment, and so on.

2 Interest expense. If the actual interest on this fund is 3%, you will be informed that 5% has been approved. In order to avoid risks, banks will charge 2% interest in advance and repay 3%.

3 insurance premium. For example, in order to avoid risks, banks will charge certain insurance premiums, monthly amounts and so on.

4. Post-loan management fee and platform service fee.

Intermediaries often use credit information to have problems, or for various reasons, and so on. The main way is to use bad information!

Related Questions and Answers: Related Questions and Answers: Is the current financial loan industry easy to do? Friends who have worked in finance and credit for more than 3 years may feel more deeply. Friends who have been employed for nearly 3 years should be able to understand what the loan market is like after reading this article!

At the earliest, there were no customers, with a big bag of material list and a bag of banners. As long as they listened to the leader, they completed the daily workload according to the leader's requirements.

At that time, as long as you are willing to work hard, the loan performance of 250,000 yuan a month is guaranteed, and the loan performance of 200,000 yuan is almost certain.

Number of small loan companies on 20/200616 (unit: several)

At that time, the credit business was not as convenient and fast as it is now. It took about three days from the application to the grant, and sometimes three days may not be the result. In addition, the amount of funds allocated is not large (1-50,000 or so), so it is necessary to conduct letters and visits on the spot. Basically, there are several field staff in each city sub-center to take photos at home.

At that time, it was mainly based on credit. Both house mortgage and car loan were pledged, and the interest rate was alarmingly high. With the gradual opening up, the comprehensive cost of car loan pledge is still around 2%, and the original state of mortgage procedures is also 3%, which is completely incomparable with the current market cost of 1%.

This data should not include P2P, car loan and other company personnel.

Besides, the quantity was very small at that time? The average number of entries (1, 000-50,000), and the approval rate of 50% is already a very good platform. In addition, at that time, the competition in the loan industry was small and there were many customers. Take the leaflet of Everyone as an example, the conversion rate is about 1/400. If you distribute 2000 leaflets a day, you can have 3-5 consultations and 2 advance payments. As long as the amount of activities can keep up, consulting and lending will not be bad.

Then the credit manager is casual, as long as he has worked in the credit industry for more than three months, his business ability and communication ability are not bad, and the income that the diligent loan officer falls into his pocket every month is 10000+, which can be said to be a relaxed Gao Fushuai.

More than 60% of the people in the loan company can earn 7000+, so the 90-day turning point mentioned by the credit company now actually comes from here. If you don't make achievements in three months, you won't make money, and if you don't insist, you will be eliminated. Every month, credit companies will have three months of loan assessment pressure.

However, with more and more loan companies, more and more competitive pressure, more and more transparent loan information, more and more loan channels, methods and employees, it is bound to produce a gap between supply and demand.

Five years ago, the number of loan employees in some cities surged from 800 to 30,000. For the benefit, the competition between companies is becoming more and more fierce, and the competition between companies is beginning to be unhealthy. Many people choose to leave the loan industry, and many people are still confused and at a loss.

Under the current situation, the industry development instability caused by malicious excessive competition of credit companies is bound to be the government's macro-control, supervision and policy control. Once this period is over, the loan industry will surely usher in a qualitative leap!