How to do credit business well
First, the necessity of implementing marketing
Its nature, characteristics and market positioning determine that it must be marketed. For example, the financial environment has changed rapidly, and no new marketing consciousness has really been formed. Its outstanding performances are as follows: First, the service inertia formed by the financial market still exists, the management concept is self-oriented, and it is used to doing things according to the tasks and plans issued by superiors, without paying attention to changing ideas and positioning in time. The door is hard to get in, the face is ugly, and things are difficult? The phenomenon is more common. Secondly, the thought of complacency and complacency is serious. Waiting for customers to come, lacking pioneering consciousness, passive marketing, not paying attention to customer analysis, not knowing how to lend, unwilling to lend, afraid of taking responsibility, afraid of taking risks, afraid of being punished, lending to the rich without lending to the poor, lending well without lending badly, and helping the strong without helping the weak. Weak marketing consciousness and backward marketing concept make it difficult to meet the requirements of market changes, which has become an important reason for restricting the development of marketing work and improving market competitiveness and profitability. (The following can be played by frame)
Second, according to the changing requirements of the financial system, marketing must be implemented. Third, the advantages that marketing can bring into play. Second, the status quo of marketing
First, the deviation of marketing concept, marketing environment and market positioning
Fourth, the innovation of marketing methods and the quality of marketing personnel.
Third, the choice of marketing strategy.
First, establish a correct marketing concept.
The second is the marketing environment construction strategy, the third is the market segmentation and positioning strategy, and the fourth is the marketing talent strategy.
Fifth, the timely implementation of relationship marketing.
Fourth, we should carry out relationship marketing from the following aspects.
First, pay attention to customer service satisfaction.
Second, actively and steadily carry out the work of account manager.
Third, advocate all-staff marketing.
Fourth, establish the restraint and incentive mechanism of marketing.
(1), establish a marketing responsibility mechanism.
(2) Develop marketing incentive and reward system.
Types of loans for credit business
According to different loan subjects, loans can be divided into self-operated loans, entrusted loans and special loans. Among them, entrusted loan means that the client provides funds, and the bank, as the trustee, handles the loan formalities according to the object, purpose, amount, term and interest rate specified by the client, and only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.
(2) According to the borrower's credit, loans can also be divided into credit loans, secured loans (secured loans, mortgage loans, pledged loans), bill discounting and other types.
According to the different purposes of loans, they can be divided into working capital loans, fixed assets loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, all borrowers should provide guarantee, except those who are examined, evaluated and confirmed by the lender to have good credit standing and can repay the loan.
Credit business loan contract
A contract is an agreement that clarifies the rights and obligations of all parties. A loan contract is an agreement between a bank and a borrower to provide funds for the borrower's use, and the borrower will use the funds according to the agreed purpose and repay the principal and interest on schedule. The loan contract is the legal basis for determining the rights and obligations of banks and borrowers. Its main contents include: loan type, loan purpose, amount, interest, term, repayment fund source and repayment method, guarantee terms, liability for breach of contract and other terms agreed by both parties. The content of the loan contract is equivalent to the law between the parties. Any party who violates any of these terms shall constitute a breach of contract and shall bear corresponding liabilities for breach of contract.