First, to put it simply, it is all kinds of funds obtained through bank credit channels, including working capital loans, fixed assets loans, personal mortgage loans, bank acceptance bills, discounts, trade financing and so on.

Secondly, we can analyze the source and application of bank credit funds from macro and micro levels.

From the macro level and the scope of the entire financial system, the sources of credit funds mainly include the following three parts:

1, various deposits.

This is the most important source of funds, generally accounting for more than 80% of all credit funds.

2. Financial bonds.

Generally accounting for about 4% of the total credit funds.

3. Liabilities to international financial institutions.

From the micro level, this paper analyzes the source, channel and application direction of credit funds from the perspective of a commercial bank.

The sources of funds (liabilities) of commercial banks mainly include 1 and various deposits.

2. Obtain funds from the bond market.

3. Loan from the Central Bank.

4. Interbank deposits and interbank lending.

Second, how to find the source of customers when making loans

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.

Thirdly, Xiao Bai is a loan officer. He wants to ask God for advice on how to find loan customers.

You can find it here. Need to accurately find peer purchase information!

Fourth, how to expand customer resources by making auto loans?

Find the "tipping point" of marketing.

Finding the "tipping point" of marketing can get twice the result with half the effort. The tipping point is a book that can be read on Dangdang. He used epidemiological methods to analyze how market information was spread and how popularity was caused. For example, through investigation, in the gonorrhea area of a city with a population of 6.5438+10,000, they took six bars as the main venue and finally locked in 654.38+ 068 people. This 168 person is the source of infection for thousands of people. The source of infection in sales, who has the most contact with the target customers, is to exert strength from them. Of course, finding this source of infection means that selling electricity and worshipping strangers are manual work, so this method is mental work. Different products have different channels, and account managers are also divided into corporate, personal, financial management and so on. If you want to do enterprise business, some government departments often deal with enterprises and are familiar with the situation of enterprises. Getting them to recommend can have an immediate effect. Trade associations and chambers of commerce are large in scale, with many activities, more public spirit and can introduce many customers.

Refers to the loan issued by the lender to the borrower who applies for buying a car. Also called the car mortgagor must be the location of the loan bank. Loan conditions: ability to borrow principal and interest, good credit; Or a third person with sufficient compensatory capacity as the guarantor to repay the principal and interest of the loan and bear joint liability.