How to market loan customers and convert them into deposit customers How to market loan customers

What are the common promotion methods for making loans?

A common promotion method for making loans is to set up a standard interface and allow users (agents) to spontaneously develop next-level users (agents) through the invitation rebate model.

The types of customers are active door-to-door customers and independent marketing customers. Generally, there is the possibility that customers who come to your door are in urgent need of loan funds. When such customers come to your door, they are likely to have prepared their business location, business products, sales prices, orders, employees, etc., creating a seamless trap. Therefore, for this kind of customer, Customers must have a high degree of risk awareness.

Have an in-depth understanding of various laws and regulations, regulatory requirements, rules and regulations, constantly read books on credit, persist in learning, be good at communication, constantly summarize, fully grasp, and flexibly apply what you know and learn Apply it to your work to identify risks, improve performance, and expand resources.

Loan promotion:

For independent marketing customers, the account manager needs to have a general understanding of the customer's business situation in advance through peripheral information, stranger visits, etc., and then make sufficient marketing preparations and make judgments After giving the possibility of a loan, agree on a negotiation time with the customer and conduct a face-to-face interview.

Confirm the accuracy of your judgment through interviews. If you meet the conditions, you should collect information face-to-face and ensure the authenticity of the information. Avoid repeated and multiple collection of information, which will cause customers to have a sense of distrust in your business capabilities. .

How to attract traffic in credit business? How to attract traffic to the credit industry? Tips for attracting credit customers

Loan companies’ traditional consumers mainly target state-owned enterprises, large enterprises and high-net-worth families. However, with the increasingly fierce demand in the traditional market and the rapid development trend of the consumer loan management system, loan company targets The customer base is declining. Therefore, retaining small, medium and micro enterprises and their own customers is a key factor in the future market demand of loan companies.

However, as a salesperson, you have to go out and visit customers yourself, find suitable mortgage customers, and then improve your sales performance and get salary. Regardless of whether you are a loan officer of a financial institution, the CEO of a small loan company, a salesperson of a credit company, or a loan intermediary company, how can you find high-quality customers in need?

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Traditional business development

When it comes to how to expand loan customers, it is inseparable from traditional business development methods. Traditional methods mainly include telemarketing, advertising, online shopping, hair-raising, car insertion, etc. Although these methods of visiting exhibitions are hard, you can continue to exercise your exhibition capabilities and accumulate experience in the process. The investment cost is low, and as long as the coverage is wide enough, it can directly generate consultation volume and order volume.

Internet Marketing

New media such as Weibo and WeChat are popular ways of disseminating information today. Credit officers can promote their loan products through Weibo and WeChat, but if they want To stand out from the crowd of advertisements, you need to show your own characteristics, or be highly professional, or be sincere. In short, the most important thing is to stimulate the needs of potential customers.

Quoke APP

Quoke APP is equivalent to an online intermediary, connecting borrowers and credit managers. Here, borrowers and lenders can choose in both directions, find the right target more accurately, and also facilitate the rapid completion of the loan. And now the customer acquisition APP has very powerful functions, so you no longer have to worry about how to expand loan customers.

Telemarketing

Telemarketing is the most traditional way to expand loan customers. That is, credit managers use telephone calls to communicate with loan customers or potential customers every day. . If you want to acquire customers through telephone sales, your list and conversational skills are very important. The most important thing is to actively follow up, otherwise you will easily lose your intended customers.

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The best words for selling loans by telephone

The best words for selling loans by telephone

Telephone sales The best words for loans. For different sales "lists", the effect of salesmen using different words will be very different. 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 selling loans via telephone.

The best words for loan sales via phone 1

Words for loan sales via phone

1. Loan sales opening words

Words for sales 1——Simple and straightforward

Customer: Hello, where are you?

Credit manager: Hello, excuse me, we are the loan officers of xx loan company, may I need you recently? ?

Customer: Not required.

Credit Manager: It doesn’t matter. You can spend two minutes to learn about our loan products. If you need them in the future, they can also come in handy. Are you right?

Talk 2 - Friend recommendation method

Loan officer: Hello, is this Mr. Wang?

Customer: Yes, who?

Loan officer: Hello, Mr. Wang, I am Xiao Li from xx Loan Company. It is your friend Mr. Zhao who told me that you may need funds in the near future. He happened to have borrowed from us recently. The funds are required, so let me also contact you. I don’t know when you will need funds!

Customer: Mr. Wang? Which Mr. Wang? Why didn’t I know!

Loan officer: Huh? Hasn't he told you yet? That's probably because he's been too busy lately and didn't have time to tell you! He was not in a hurry, but I was anxious first! I'm so sorry!

Customer: It doesn’t matter!

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

Talk 3 - Humor

Loan officer: Hello, is this Mr. Wang?

Customer: Who? (What’s the matter?)

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

Customer: Oh? What money are you giving?

Loan officer: That’s right. I’m Xiao Li, a loan officer from xx Loan Company. We specialize in unsecured credit loans. We can borrow up to 500,000, and we can disburse the loan in about three days. If you have any financial needs recently, you can contact us!

Customer: Didn’t you say you were sending money?

Loan officer: The loan carries interest, but I can treat you to dinner for free!

Talk 4 - Pretending to be familiar with the method

Loan officer: Good morning, Mr. Wang!

Customer: Who? What's going on?

Loan officer: I am Xiao Li from xx company. I contacted you some time ago and talked about a loan with you! Any impressions left?

Customer: Why don’t I have an impression?

Loan officer: Mr. Wang, you must be too busy lately! I am Xiao Li from xx company. Our company specializes in unsecured credit loans, and we can issue loans within 500,000 yuan within three days! This should make an impression!

Best words for telemarketing loans 2

Straight to the point

Credit manager: Hello, I am a bank loan, unsecured, unsecured , the fastest disbursement is within one day. Do you need it recently?

Customer: No need!

Credit Manager: It doesn’t matter. We can add WeChat. If a friend asks you to borrow money, you can recommend my WeChat to him. You will not be embarrassed and his problem will be solved. You said Woolen cloth?

Customer: This is possible, add it

Friendly reminder: Straightforward approach is suitable for lists of average quality, especially for those who are unsure or unfamiliar with the type of list. This method is the best. suitable. For example: a list of contacts typed by colleagues, a list of joint numbers, etc.

Invitation Notification Method

Credit Manager: Hello, are you Mr. Wang from XX Company?

Customer: Who? What's going on?

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 our credit loan support fund conditions. The interest rate is XX to XX, and the maximum support amount is 20,000 to 500,000. I wonder how much capital your company currently needs?

Customer: What information is needed for this?

Friendly reminder: This method is suitable for loans to corporate legal persons or shareholders, and can be done by cooperation with an association, a financial institution, and a certain institution. For example: the credit card center allows you to apply for installments, cooperate with a certain institution, etc. Or XX company cooperates with XX enterprise to launch XX loan product.

New Product and Activities Notification Law

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

Customer: Who?

Credit Manager: Hello, I am Manager Li who applied for a loan for you before. Now the company has launched a new product with very low interest rate. I think this product is more suitable for you. What do you need? Handle it?

Customer: OK, what information do you need?

Friendly reminder: This method is most suitable for old customers, previously rejected customers, and post-loan customer lists from other channels. It will make customers feel that you value them, and subsequent communication will be convenient.

Pretending to be familiar with the method

Credit Manager: Mr. Wang, good morning!

Customer: Who?

Credit Manager: I am Xiao Li from XX company. I contacted you some time ago. You told me that you wanted to know about the loan. Do you still have any impressions?

Customer: I have no impression?

Credit Manager: Mr. Wang, I guess you have been too busy recently! I am from XX Loan Company. Our company mainly provides unsecured credit loans. The application materials are also very simple. We can provide loans within 500,000 yuan on the same day! Do you have any funding needs now?

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

Friend Recommendation Method

Credit Manager: Hello, is this Mr. Wang?

Customer: Yes, who?

Credit Manager: Hello Mr. Wang, I am Xiao Li from XX Loan Company. I was recommended by your friend Mr. Zhao. He just applied for a loan with our company and asked me to ask you whether Are there also financial needs?

Customer: Mr. Zhao? Which Mr. Zhao?

Credit Manager: That’s right, our company does loans and interest? Do you think you have any need for it?

Customer: That’s it. What about your company’s loan?

Credit Manager: Our processing is also very simple?.

Best Words for Telemarketing Loans 3

1. Opening Statement Formula

< p>Hello! I am Manager Li from a certain company. Do you have any recent needs?

Yes, start asking about your needs.

No, I’m sorry to disturb you. I wish you peace! Goodbye! Remember to send a text message or add the customer’s WeChat account for convenience

Contact in the future!

2. Guide to the in-depth formula

According to the different types of loans, ask the customer whether he is working or doing business? If he has both, first ask if he is a legal representative

< /p>

What is the purpose of your loan? Be sure to ask clearly what the loan is for and when you need it? Do you want to borrow more

Less? How long will it take?

< p> 3. Telemarketing formula for office workers

Inquiry sequence: working hours, wages, average income, and comprehensive credit card liabilities

4. Telemarketing formula for businessmen

Sequence of inquiries: Company situation, whether the company is a legal person, how long the company has been registered, and how much is the company's turnover

Personal situation, average income, whether there are total credit card limits and debt ratios, other liabilities, and whether there are other assets

< p> 5. House and car sales formula

Is the house a mortgage or a full payment for an individual or ***? How many square meters are there, how much is the monthly payment and how long has it been paid for?

Is the car a bare car mortgage? How much is the price and how many years have it been used

6. Tips for a simple and straightforward opening statement

Customer: Hello, where are you?

Credit manager: Hello, excuse me, I am A loan officer from xx Loan Company, do you need one recently?

Customer: Not required.

Credit Manager: It doesn’t matter. You can spend two minutes to learn about our loan products. If you need them in the future, you can also use them.

Do you think you are right?

7. Tips for recommending friends in opening remarks

Loan officer: Hello, is this Mr. Wang?

Customer: Yes, who is it?

< p>Loan officer: Hello Mr. Wang, I am Xiao Li from xx loan company. Your friend Mr. Zhao told me that you may have funding needs recently. He happens to be with us recently. I got a loan, so let me contact you too. I don’t know when you will need funds

!

Customer: Mr. Wang? Which Mr. Wang? Me How come you don’t know!

Loan officer: Ah? Hasn’t he told you yet? It’s probably because he’s been too busy recently and didn’t have time to tell you! He’s not in a hurry, so I am

I’m anxious now! I’m really sorry!

Customer: It’s okay!

Loan officer: Since the call has been made, let me briefly introduce to you our side Product! It won’t take you too long

Do you think it’s convenient?

How to market loan customers who have no business relationship

Treat everyone equally, and have May convert.

Telemarketing is the most traditional way to find loan customers, that is, loan officers use telephone calls to communicate with loan customers or potential customers every day. If you want to acquire customers through telephone sales, your list and conversational skills are very important. The most important thing is to actively follow up, otherwise you will easily lose your intended customers.

This ends the introduction on how to market loan customers and how to market loan customers and convert them into deposit customers. Have you found the information you need?