Is the online marketing loan true?

It is suggested that you can apply for loans through formal banking channels, such as the "Netjet Loan" of Agricultural Bank of China.

Netjet loan refers to a small consumer loan which is granted by China Agricultural Bank in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited. It is recommended that you apply through formal channels, and don't trust the information of online lending platforms.

The following is the application process through Pocket Banking:

Step 1: Please log in to Pocket Bank and click the "Loan" option on the home page, as shown:

Step 2: Select the "online loan link" product, as shown in the following figure:

Step 3: Enter the NetJet loan introduction page, where the advance loan amount can be displayed, and click Apply Now, as shown below:

Step 4: Enter the application page, select the loan purpose, loan and repayment account (must be Zhang Yin's registered account), confirm personal contact information, check the consent option below, and then select Submit, as shown in the following figure:

Step 5: Select the loan and enter the signing information interface. After confirming that the information is correct, click Next to enter the face-brushing authentication. After the authentication is successful, click Start Authentication to enter the final signing interface, click OK to verify the security tool (KBao or KOrder), and then jump to the signing interface. After signing the contract successfully, you can click "Lending" directly.

Tips: The online loan application time is from 7: 00 to 22: 00 every day, and there will be a maximum limit every day. If it exceeds the limit of the day, the system will prompt that "the limit that can be applied for today has been used up, please apply again the next day", and the limit will be restored at 7:00 the next morning.

From July 25th, 20 19, new online loan customers can apply for loans through personal banking channels or super-counter channels. Personal online banking channel has been suspended, but loan inquiry and repayment can still be handled. For existing customers, personal online banking can inquire and repay, but it cannot lend money. If you need to operate a loan, you must handle it through a personal bank.

The actual loan of ABC is subject to the system approval. If you have any other questions, please consult the local personal loan center.

(Answer time: 202 1 April 21. In case of business changes, please refer to the actual situation. )

How to handle online loans?

Mo Long is recommended for online loan processing. Relying on its strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, Mo Long strives to establish industry standards in customer acquisition, marketing, operation and product design, so as to provide customers with lower interest rates and more valuable loan products.

To apply for a loan online, you need to meet the following conditions:

1. The applicant is between 22 and 60 years old and must have a stable job and a stable income. The bank will only approve the loan application if it proves that the applicant has sufficient repayment ability and good credit as a guarantee.

2. The applicant's valid identification. Generally, it is an ID card or household registration book.

3. Documents proving personal income. For example, the applicant's bank statement, the income certificate issued by the unit, the labor contract signed, the work permit of the work unit, the social security paid and other documents.

4. Personal credit report. Prove that you are a trustworthy person and a person who can repay on time.

5. Proof of address. You only need any bills such as water, electricity and property fees. Housing contracts or real estate licenses can also be proved.

For more information about loans, please consult Mollon. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. 20 15 Softbank China capital becomes Morlon shareholder. Softbank China Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and IWC. 20 16, Morlong brand upgrade, financial technology projects launched at the same time. Up to now, a complete technical system for loan assistance business and an intelligent risk control system for big data have been formed, and professionalism is worth choosing.

The best vocabulary for telemarketing loans

The best vocabulary for telemarketing loans

The best words for telemarketing loans, for different sales "lists", the effect of using different words by salespeople will be very different. The sales pitch of telephone loan is almost the same as other sales pitches. This is targeted and effective marketing. The following are the best words for telemarketing loans.

Best words for telemarketing loans 1

Loan telemarketing

First, the loan sales opening remarks

The word 1- is simple and clear.

Guest: Hello, where is it?

Credit Manager: Hello, excuse me, we are loan officers of xx Loan Company. Is there any demand recently?

Guest: No need.

Credit Manager: Never mind. You can spend two minutes learning about our loan products, and you can use them in the future if you need them, right?

Speech art 2- friend recommendation method

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently. He just borrowed money from us recently, so he asked me to contact you. I don't know when you need funds here!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry, I'm in a hurry first! I'm really sorry!

Guest: Never mind!

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

Speech 3- Humorous Methods

Loan officer: Hello, is this Mr. Wang?

Customer: Who are you? What can I do for you? )

Loan officer: Mr. Wang, I am sending you money!

Guest: Oh? What money should I send?

Loan officer: Well, my name is Xiao Li, and I am a loan officer of xx Loan Company. We specialize in unsecured credit loans. We can borrow up to 500,000 yuan, and we can lend money in about three days. If you need funds recently, you can come to us!

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 are you? 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 remember?

Customer: Why don't I remember?

Loan officer: Mr. Wang, you must be very busy recently! This is Xiao Li from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 500 thousand! I should remember something this time!

Best vocabulary for telemarketing loans II

Knife penetration method

Credit Manager: Hello, I am a bank loan, unsecured, unsecured, and the fastest loan 1 day. Do you need it recently?

Customer: No need!

Credit Manager: Never mind. We can add a WeChat. If a friend asks you for money, you can recommend my WeChat to him. You won't be embarrassed to solve his problem, don't you think?

Guest: You can have this. Please add it.

Friendly reminder: Go straight to the list suitable for general quality, especially those who are uncertain or unfamiliar with the list type. This method is the most suitable. For example: calls from colleagues, list of joint numbers.

Invitation notification method

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

Customer: Who are you? Can I help you?

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 the conditions of our bank's credit loan support funds. The interest is XX to XX, and the maximum support amount is 20,000 to 500,000. I want to know how much money your company needs at present.

Customer: What information do you need?

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

Notification of new products and activities act

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

Customer: Who are you?

Credit Manager: Hello, this is Manager Li who gave you a loan earlier. Now the company has introduced 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 most suitable for old customers or customers who have been rejected before, as well as the post-loan customer list of other channels, which will make customers feel your attention and then communication will be more convenient.

Pretend to be familiar

Credit manager: Good morning, Mr. Wang!

Customer: Who are you?

Credit Manager: This is 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 remember?

Customer: I don't remember?

Credit manager: Mr. Wang, I guess you have been too busy recently! I'm from XX loan company. What is our company mainly engaged in? Unsecured credit loans, the application materials are also very simple, and you can lend money within 500,000 on the same day! Do you need funds now?

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

Friend recommendation method

Credit Manager: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Credit Manager: Hello, Mr. Wang, this is Xiao Li from XX Loan Company. I was recommended by your friend Zhao Zong. He has just applied for a loan in our company. Let me ask you if you have any financial needs recently.

Guest: Zhao Zong? Zhao Zong who?

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

Customer: So, what about your company's loan?

Credit manager: Our handling is also very simple? .

Best vocabulary 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 about the demand.

No, I'm sorry to bother you. I wish you peace! Goodbye! Remember to send text messages or add customer wechat, which is convenient.

Contact you later!

Second, guide the in-depth formula

According to the different types of loans, ask customers whether to go to work or do business. If there are both, ask whether it is a legal person first.

Table,

What is the purpose of your loan? Be sure to ask what the loan is for and when it is needed. Want to borrow more

Less? How long will it take?

Third, the formula for office workers to sell electricity

Question: working hours, salary, average income, and whether there is comprehensive credit card debt.

Four, the merchant power marketing formula

Inquiry order: company information, whether the company is a legal person, and how long the company registration period will be publicized to the public.

Personal situation, average income, total credit card, other assets compared with other liabilities.

Five, the house and car sales formula

Is the house a mortgage or a full personal loan or how many square meters has it been provided for how long?

Is the car mortgaged? What's the price of naked cars? How many years have you used it?

Sixth, the opening remarks are simple and straightforward.

Guest: Hello, where is it?

Credit Manager: Hello, I am the credit specialist of xx Loan Company. Do you need it recently?

Guest: No need.

Credit Manager: Never mind. You can take two minutes to learn about our loan products, and you can send them later if necessary.

Yes, you're right!

Seven, opening remarks, friend recommendation skills

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently.

Yes, he just borrowed money from us recently, so let me contact you too. I don't know when you need it

Where is the money!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry. I'm here.

First hurry! I'm really sorry!

Guest: Never mind!

Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long.

Room, is it convenient for you?

What are the marketing strategies of personal loan customers?

The most common personal loan marketing channels of banks mainly include cooperative unit marketing, network agent marketing and online banking marketing.

I. Institutional marketing of loan outlets

The classification of outlet marketing includes omni-directional outlet marketing channels, professional outlet marketing channels, high-end outlet marketing channels and retail outlet marketing channels.

Customer-oriented personal loan marketing model.

Second, online banking marketing

Online banking marketing includes online banking electronic virtual service, operating environment, room opening and other functions, information service function, display and inquiry function, and * * * and business function.

In short, the main functions of online banking are online consultation, online publicity and preliminary acceptance review.

Third, the housing loan cooperative unit marketing.

Cooperative marketing includes individual housing loan cooperative marketing and other individual loan cooperative marketing. Individual housing loan cooperative unit marketing includes first-hand individual housing loan cooperative unit marketing and second-hand individual housing loan cooperative unit marketing. The marketing of other individual loan cooperative units means that commercial banks should strengthen cooperation with distributors, cooperate with distributors, sign cooperation agreements with them, and provide information or recommend customers.

Four pitfalls to be guarded against in internet financial marketing propaganda.

With the Spring Festival approaching, investors' financial needs are heating up, and various financial institutions have launched various financial products. However, when some institutions carry out online marketing of financial products, they hide various "routines", which makes people hard to prevent.

The Consumer Protection Bureau of the China Banking Regulatory Commission recently issued a risk warning to remind consumers to beware of "routine" behaviors that infringe on financial consumers' right to know, to choose independently, to trade fairly and to property safety.

Improper marketing of internet loans

At present, some organizations hide various "routines" in Internet pages to set obstacles for consumers to choose independently. For example, in shopping, media, social networking, games and other Internet scenes, advertisements for lending products are flooding, and the platform directly provides loan services or diverts loan business to realize traffic, which induces consumers to give priority to using consumer credit in product promotion, display or payment.

In loan marketing, marketing propaganda behaviors similar to "routine loans" occur from time to time. For example, the interest rate is opaque, the borrowing cost is deliberately blurred, and the annualized comprehensive capital cost and the arrangement of debt service are not clearly stated.

"Conventional loans are an illegal financial activity, so the crackdown on this illegal activity should be intensified. If they are found together and punished together, the operation service providers who participate in providing various vest bags and system construction schemes for routine loans will also be punished. " Su said that risk control companies and third-party payment companies that provide technical support, credit services and capital transfer channels for "routine loan" criminal gangs need to be resolutely removed and dealt with seriously. Third-party payment institutions need to strengthen the management of merchant access, strengthen the daily inspection of risky merchants, and constantly improve the risk prevention and control mechanism.

It is worth noting that there are behaviors similar to "routine insurance" in insurance marketing, which induce consumers in the name of preferential treatment.

The China Banking Regulatory Commission said that these routines give people the illusion of preferential treatment. In fact, they spread the premium to the later stage, and consumers did not really enjoy the premium concessions. In addition, there are many misleading sales behaviors, such as hype about "restricted sales and limited time", untrue and inaccurate introduction of product responsibilities, functions and insurance period, and promotion and sales of insurance products in the name of financial products such as bank deposits and wealth management products. Some consumers are misled to insure insurance products that they don't need or even understand because of the temptation of so-called "free" and "limited time".

In addition, some internet insurance marketing advertising interfaces are not standardized and clear, which induces consumers to check the options such as "receiving protection" and "automatic renewal" in the page. In addition, there are platforms that bind tying through default check and mandatory check, forcing consumers to buy unnecessary products or services.

Four routines that must be guarded against.

For consumers, how to enhance the awareness of risk prevention and prevent the "routine" marketing behavior from infringing on their own rights and interests? The Consumer Protection Bureau of the China Banking Regulatory Commission also put forward four suggestions to consumers: First, be alert to false propaganda routines such as concealing risks and vague expenses, and purchase wealth management products according to their own risk tolerance and needs; Second, be alert to the risk of excessive debt and use personal consumption credit loans reasonably and in compliance; Third, be wary of illegal "agency" infringement, be cautious about important links such as signature and authorization, and choose reasonable and legal channels; Fourth, be alert to the infringement in the name of "repaying principal and interest" and correctly treat and solve the debt problem according to law.

At the beginning of this year, the regulatory authorities issued "Administrative Measures for Internet Marketing of Financial Products (Draft for Comment)", aiming at the stubborn chaos in the marketing of financial products through Internet channels. "Routine insurance" is one of the typical examples of this chaos.

Su said that according to the regulatory requirements, to put an end to such chaos, we must first clarify the responsibility of online marketing, that is, if a licensed financial institution entrusts an online platform to carry out online marketing, the responsibility lies with the financial institution; Secondly, financial institutions should strengthen the qualification examination of cooperative network platform and continuous monitoring in the process of exhibition industry; In addition, it is necessary to establish and improve the protection mechanism of financial consumers' rights and interests, and ban other illegal acts in accordance with the relevant provisions of illegal financial activities.