What channels do loan development customers have?

Question 1: How do loan salesmen develop customers through channels?

Baidu knows that Post Bar, Alibaba, P2P, industry websites, forums and QQ groups are all good search platforms.

② Exchange customer resources with friends of some loan companies and financial groups.

(3) Ask the old salesman of the company, or check the cooperation unit of the company to see if there is any fish that escapes from the net.

(4) investigate the market situation in the region, first understand which units in this city are engaged in this industry, and see if they can go online and have the possibility of cooperation.

5 now wechat is a very good platform. Add more friends, send more loan information, others will think of you when they need it, and you can also search online more.

I hope it helps you! ! Hope to adopt! !

Question 2: How to get to the channel? The process of formal bank handling is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form; (The lender shall fill in directly at the lending institution)

(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)

(3) proof of work and income;

(4) Other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.

Question 3: What channels can I apply for in a local bank?

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 4: I am an office worker. Do you want a channel? If you are already a user of our bank and have downloaded our mobile banking APP, you can log in to the mobile banking, home page-loan operation interface and try to see if there are any products suitable for you.

Question 5: How to broaden the marketing channels of microfinance products, or do you need to establish them yourself, online and offline, but mainly offline. The channel mainly depends on your product. If you mortgage your house, then run a real estate agent. If you have insurance, run an insurance company. Let's go

Question 6: If you want to be an agent, ask many channels to buy a document. There are many channels to represent you.

Question 7: What kind of channel is better? Yes, I used Le Yi Ai Feng bag, and the operation is very simple.

Question 8: How to develop business Hello, here's the thing. Peer communication and network broadening channels are the main methods. It depends on your shareholders' investment intentions and business advantages. Generally speaking, what small loan companies do is that banks can't accept collateral, or lenders' projects don't conform to national policies, some lenders are in a hurry to use money, and bank procedures are too slow; There are also bridge capital business and short-term turnover. However, at present, Beijing is mainly called "business" because money is tight. As for how to proceed, it depends on your management team's ability, contacts and social relations. Each has its own way, so we can only talk about it in detail.

Question 9: How should a salesman of a company find a customer? 10 integral, target customer group selection

The company's target customer groups mainly have the following characteristics: customers have the ability to produce, operate and repay loans, and they can't get the financial services they need and don't fully enjoy them. The loan to customer orientation mainly includes two parts: the loan to customer orientation and the orientation of cooperative units.

(1) The loan is customer-oriented.

Customer orientation is the company's choice of service objects, and it is also the process that the company chooses customers according to its own advantages and disadvantages, meets customer needs and makes customers become its loyal partners. Taking low-and middle-income people as the group has always been the business and service orientation advocated and adhered to by the company, including farmers and herdsmen, individual industrial and commercial households and small and micro enterprises.

1. Reference conditions for corporate personal loan customers to apply for loans:

(1) Natural person with full capacity for civil conduct, age 18-65 years old (inclusive);

(2) Having legal and valid identity certificates (resident ID card, household registration book or other valid identity documents), proof of marital status, etc. ;

(3) Being law-abiding, having no illegal acts, having a good credit record and willingness to repay, and having no record of serious breach of contract in the personal credit information system of China People's Bank;

(four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(5) Willingness to repay;

(6) The loan has real use, etc.

2. Reference conditions for corporate customers to apply for loans:

(1) conforms to the national industry and industrial policies, and does not belong to micro enterprises with high pollution, high consumables and high energy consumption;

(2) The enterprise has been approved and registered by the administrative department for industry and commerce, and passed the annual inspection by the Bureau of Industry and Commerce, Taxation, Technical Supervision and the People's Bank of China;

(3) Having an operating period of more than 3 years, and having transparent auditing and accounting accounts;

(4) The legal representative has good business reputation and practice experience;

(5) Fulfilling social responsibilities;

(6) Enterprises have certain competitiveness in the industry;

(7) The shareholders' meeting or partners unanimously decide to apply for loan guarantee;

(8) the production and operation of special industries have obtained industry licenses.

(B) the positioning of cooperative units

In addition to directly facing loan customers, the company can also use other platforms to expand its business chain and provide financial services.

Second, the main ways of customer selection

Regional selection

(B) income structure choice

(3) Differentiated choice of industries

(D) Personalized service target customer selection

Third, the key points of customer selection

(a) to micro or small enterprises, low-income people as the main loan target;

(2) The capital demand has the characteristics of "small amount, quick speed and dispersion";

(3) Lack of collateral required by traditional banking institutions, but judging from some non-financial "soft information" of loan applicants, they have good credit standing and have the ability and willingness to repay the principal and interest.

Four. Business scope of the company

(1) The business scope stipulated in the current pilot policy

Under the current pilot policy framework, local regulatory authorities have different regulations on the company's business scope. However, it basically does not absorb public deposits, discount bills, and related consulting activities and other approved businesses.

(2) General loan business

Loan business refers to a way of using the company's own funds in the form of monetary funds to lend to customers at a certain loan interest rate and repay them on schedule.

1. Loan term

2 loans are divided into working capital loans and fixed assets loans according to their purposes.

Loans are divided into credit loans and secured loans according to whether there is guarantee or not.

(3) Microfinance intermediary business

In addition to the general loan business, the company can also carry out some intermediary business within the permitted business scope. However, in the actual operation process, the intermediate business is basically blank.

Question 10: How to invest? If it is a p2p company, don't consider it. The state explicitly prohibits p2p financial companies from setting up offline stores. P2p is a kind of Internet finance, and advertising on the Internet is not allowed. It is suggested that online shopping is safer. In addition to online, we should also pay attention to the choice of platform.

How can credit find customers who need loans?

The most common ways for credit to find loan customers are as follows:

1, network platform to obtain resources: In the era of highly developed Internet, credit managers need to open up network channels to find customers. At present, there are many online platforms that can help credit managers find customers, and users can choose the platform that suits them.

2. Social media to find customers: Credit managers can promote their loan products and show their professional level through social media such as QQ and WeChat. With the accumulation of time, everyone can cultivate a group of their own old customers.

3. Set up a stall: Setting up a stall in a crowded place is a traditional way for credit managers to show their business. Although it is hard to set up a stall, the credit manager can communicate directly with customers face to face, get detailed information of customers and understand their specific needs.

I am in the loan business. What channels are better for finding customers?

1, understand the business scope of the company and fully understand the company's business in order to better communicate with customers and gain their trust;

2. Understand the structure of the company's existing sales team, and analyze your own market circle according to other people's experience and your own actual situation;

3, do a good job in goal planning, performance task decomposition, do not blindly find customers in order to find customers;

4. Understand the area of your city and find the target customers;

5. Serve every customer sincerely, don't rush for success, be down-to-earth, and do your own reputation.

Ten channels to develop new customers

1. From people you know.

One with a circle, which is the quickest way for salespeople to make friends. One of your friends doesn't need your car, but are you sure you don't need your friend? Get to know them and you will meet many people. Tell people around you what you are doing, what your goal is, gain their understanding, and you will soon find your potential customers, because people around you will help you and are willing to help you.

2. With the help of professionals.

Most enterprises will form a group of novices and experienced veterans to work together and let the veterans train novices for a period of time. This enterprise tutor system works well all over the world. Through this system, the knowledge and experience of established enterprises are recognized, which is also helpful for the cultivation of novices. Of course, you can also entrust enterprises or other enterprises to help you find customers, which requires the support of enterprises. There are many kinds of agents and they can provide many kinds of services. You should seek a suitable agent according to your own strength and needs.

3. List provided by enterprises

If you serve a company, the company will get the best performance through the details of advertising and marketing. Many enterprises provide sales staff with performance lists. In order to be an excellent business master, you need to find your own potential customers from them. In this way, even if you get nothing from the list of enterprises, you are prepared. If you are always looking for potential customers, you will encounter the least setback and make great strides.

Check the list of past customers, and you will not only get future business, but also get the business recommended by them.

4. Develop business contacts

Whether you are new to sales or not, you may be selling. Business contact is easier than social contact. With the help of contacts, you will make business contacts faster. Not only the people you know in the business world, but also the government functional management departments, associations, driver training schools, clubs and other industry organizations, which bring you a huge group of potential customers.

5. Know a salesperson like you.

You have met many people, including salespeople like you. Well-trained salespeople sent by other enterprises are familiar with the characteristics of customers. As long as they are not your competitors, they will generally make friends with you. Even if they are competitors, you can become friends and get along well with them, and you will gain a lot of experience. The other party will remember you when they visit customers. If you have a suitable customer for them, you will definitely remember him. Not to mention the extra achievements, you have a very effective business partner.

6. Look for potential customers from automobile customers.

When the old car is about to be eliminated, the salesperson who contacts the customer in time wins. Make plans early and you will achieve fruitful results. Remember to get involved as soon as possible.

Step 7 read the newspaper

Perhaps the most effective tool for finding potential customers is the newspaper you put there every day. When reading, underline all the opportunities you find. Unless you do international trade, you may like to watch the local news, business and statement pages. The part that is beneficial to most people is the part that describes the life of ordinary people. It only takes a few days to learn to read newspapers. Once you start, you will be surprised to see a lot of valuable information. Pay attention to marking and recording. Take today's newspaper, read every front page news, and tick off the statements that are of certain commercial value to you. Just like an excellent salesperson tries to contact the relevant people, keep a copy for himself, and then send a short message: "I saw you on the news, I am doing business locally, and I hope to know you." I think you may need to have a copy of the news to share with friends and family. "And attach a business card. People like to appear in the news themselves, and they like to send copies of articles to relatives and friends who are not local. By providing this small service, you can get a lot of big business.

8, understand the technical personnel of vehicle service.

Other people in the enterprise will think of you when they hear valuable information. For example, someone in the finance department knows that the bank may buy a car, which is valuable information in sales. You can arrange a visit. Develop the habit of regularly checking the service and maintenance records of enterprises. Ask the customer service department how many consultation calls your customer has made. If it is repeated, you need to pay a return visit to them. Maybe they are in the growth stage, and you can help them win new services. Try to provide services beyond those provided by ordinary salespeople, which will help you establish long-term relationships, establish credibility and get recommended business.

What can loans do to attract customers?

1, simple and direct

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?

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?

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!

Step 4 pretend 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 about the loan some time ago. 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!

Oral skills of loan sales

1. Borrow jokes

I lend you money not because I have more money, but because I want to help you when you are in trouble. I rushed to pay for dinner, not because I had more money, but because friendship was more important than money! I help you, not because I owe you anything, but because I regard you as my friend. Sincere people walk into their hearts, while hypocritical people walk out of sight.

Smear lines

As the saying goes, the furthest distance in the world is not the distance between life and death, but when I stand in front of you, you ... cautiously borrow money from others in front of me and don't ask me if I can lend it to you. If you ask me if I can lend you money, that's great. After all, you can borrow a house, a car and no car, as long as you want to borrow it!

How to find the source of customers when lending.

1, maintain old customers, maintain the relationship with old customers through irregular return visits, and then make new customers through the introduction of old customers;

2. Expand your circle of friends through the introduction of friends;

3, self-promotion, go to some places with large traffic to send an advertisement;

4. According to Internet technology, join some communities and make some interested people in the community network.

Brief introduction of loan

In daily life, a loan means that a borrower applies for a certain amount of funds from a bank or other financial institution, and both parties agree on the repayment period and repayment principal and interest. For banks and other financial institutions, the more loans, the better for banks, which can greatly increase the interest income of banks and increase their own capital to some extent. But for the society, the more loans, the faster the market capital circulation and the faster the economic development. When faced with the problem of capital turnover, users still need to choose formal financial lending institutions, and fully consider the safety, liquidity and efficiency of funds.

How to develop loan customers

First, the novice customer acquisition method

The following is useless, Baidu looks for it and lends it to God.

1. Offline delivery,

Development is a relatively low-cost method to develop customers. First, find the crowded area, and then distribute the information printed with the loan product amount, term, interest rate, loan conditions and so on to passers-by. Although there will be a certain fee for distribution, once someone consults, the success rate of signing the contract is very high.

2. Peer introduction

In practical work, not every loan customer is suitable for himself. Many times, the list that peers can't make will be shared with other loan officers, so sharing customers with peers has become an indispensable way to develop customers. Accumulate industry contacts and form your own circle of friends in the exhibition industry, which can develop customers efficiently.

Make a lot of phone calls

Most of the salesmen in the loan industry are engaged in telemarketing at the beginning. The customer list provided by the company is often played by many people for many times, or the customer has successfully borrowed money. So, if you want to get interested customers by phone, you need to make a lot of phone calls. If you make too many phone calls, there will always be one or two interested customers, which requires the loan salesman to stick to it and resist the pressure, and you will be half successful.

Second, master the customer acquisition method

1. Horizontal alliance

Horizontal alliance is a sales model that aggregates resources from different industries to achieve win-win and win-win results. If you want to develop more customers, you can't focus on the loan industry. Sales staff in related industries in the loan industry, such as banks, securities companies, insurance, funds, futures, foreign exchange, crude oil, gold and other related industries, usually contact people who deal with money, so they are likely to have customers in need of loans. In addition, in some industries that often need loans, such as real estate and automobile industries, most customers need loans because of the huge transaction amount.

2. Introduction of old customers

To ask loan officers how to develop customers, many of them rely on the introduction of old customers. To maintain a good relationship with old customers, it is best to keep in touch after the list is completed, call back, or send a holiday greeting message. Keep a good relationship with old customers, who may recommend new customers to you. Due to the introduction of old customers, the single rate is generally high.

3. Go to a professional customer platform.

In addition to the traditional offline customer acquisition method, loan officers can also develop customers through the Internet customer acquisition platform. The characteristics of internet platform to acquire customers are: low cost, unlimited geographical area, 24-hour acquisition of customers, very high efficiency, and customers are all customers with loan intentions, with high accuracy, which greatly improves the signing speed of loan salesmen.