Cooperative organizations, customer service groups and public resources.
Customer resources of loan business can be obtained from the following aspects:
1. Through their own customer base: For some loan companies, they can obtain loan customers from their own customer base. For example, banks can get loan customers from their own savings customers, and trust companies can get loan customers from their own investment customers.
2. Cooperative institutions: You can cooperate with other institutions to obtain loan customers from the customer groups of cooperative institutions. For example, you can cooperate with real estate agents to obtain loan customers from the intermediary's customer base.
3. Online channels: online channels can be used to obtain loan customers. For example, you can carry out loan business on the online platform and accept online applications.
4. Public resources: loan customers can be obtained from public resources. For example, we can get information about loan customers from government departments and industry associations.
Generally speaking, there is not a single channel to obtain loan customers. We can choose the appropriate channel to obtain customer resources according to the actual situation.
How can I find customers who need loans?
How to quickly find customers who need loans is as follows:
There are many ways to find loan customers, the most common one is telemarketing, calling the intended customers and asking them to borrow money through sales talks;
You can print the leaflets of loan products to areas with large passenger flow such as residential quarters or the entrance of shopping malls and office buildings for distribution. Interested customers can introduce them in detail on the spot and leave their contact numbers.
You can also choose to print parking cards in parking lots and other places and insert them in the car, so that ordinary car owners will leave their cards.
After adding friends, tell him your purpose lightly. If necessary, it is best. Don't say anything if it's not necessary. Getting customers to keep you in a circle of friends is success. These potential customers can be maintained in different follow-up ways in the future.
One is to go to those related official WeChat accounts and join their official groups. There are fewer people in this group who really have money at their own expense, and they like to have more money, so they have great potential. The second way is to find people who like these things in your circle of friends and ask them to help you join the group. What you have to do after joining the group is to stay active. This group respects and loves two kinds of people, those who are knowledgeable in the circle and those who love to give out red envelopes. Be sure to do some basic skills to make people feel profound, so as to increase others' trust in you, so that many people will add you as friends. In the final analysis, red envelopes are only an auxiliary means to enhance the sense of existence and the right to speak.
How to find customers in automobile sales
The ways to find customers in automobile sales are as follows:
1, start with the people around you. Starting with the people you know, you can use your existing network resources more quickly, create the initial channel sales social circle, and use this social circle to gradually expand your marketing area.
2. Small videos expand customers. Video is an important carrier in this period, and Tik Tok video is the overlord of this industry. If you want to get a large number of prospective customers, vibrato short video and Aauto fast video are both good user traffic pools.
3. Maintain car-watching customers. Always remember that customers who have bought cars are absolutely priceless wealth. Because they only need customers' satisfaction, they may be more willing to buy this brand-name car again when changing cars, which can save users the cost of getting to know a company again and trusting a service consultant again.
4. Make friends with salespeople in all fields. Vehicle salesmen who make friends with other well-known brands say that their peers are enemies, but they don't care so much. With many people, you can learn many other skills of vehicle sales. Every manufacturer's learning and training is his own stunt. If you learn it, your basic skills will be greatly improved.
Where can I find a loan customer?
Loan customers can be found through different channels, offline: office buildings, telephone companies' finance departments, publicity around the community, wholesale markets, agricultural products markets, electronic markets and other professional markets.
Online:
Telemarketing: telemarketing through real estate agents, banks and automobile 4S shops to obtain customer resources.
Classified information websites: Tongcheng, Jiji.com, Baixing.com and other 58 information publishing platforms publish information.
Social platforms: WeChat circle of friends, etc.
In addition, there are mainstream video apps and advertisements.
When issuing loans, borrowers need to meet certain conditions. For example, individuals need to submit valid identity certificates, bank accounts, work certificates, loan application forms, etc. When the loan is submitted, the bank will review it, and after it passes, the loan can be made.
When an individual applies for a loan, he can choose the repayment method of average capital or equal principal and interest, which is generally determined according to his own income. When his personal income is relatively large, he can choose the average capital. If his personal income is relatively small, he can choose the repayment method of equal principal and interest, and he can return it in advance after handling the loan.
Individual users must repay the loan on time after handling it, and there can be no overdue repayment. Because there will be penalty interest after the deadline, the longer the time, the more penalty interest. Moreover, after the overdue period, the bank will collect the overdue records and upload them to the credit information center, which will lead to the deterioration of personal credit information and affect the re-application of subsequent loans.
How to expand customer resources through car loan
Find the "tipping point" of marketing.
If you want to expand customers, the most scientific way is to find the "tipping point" of marketing, which can play a multiplier role. 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 a city with a population of 6.5438+10,000, half of gonorrhea patients came from four blocks, and they took six bars as the main venues, and finally locked in 654.38+ 068 people. This 168 person is the source of infection for thousands of people. How to expand customers is to find the source of infection in marketing, and those who have the most contact with target customers should make efforts from them. Of course, finding this source of infection is a racking process. If telemarketing and slander are physical activities, then 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 business, then the competent government departments are good. Some government departments often deal with enterprises and are familiar with the situation of enterprises. Getting them to recommend can have an immediate effect. Secondly, there are trade associations, chambers of commerce, fellow villagers' associations and so on. Some people are energetic, positive, more public, willing to do good for everyone and can introduce many customers.
It refers to the loan issued by the lender to the borrower who applies for buying a car, also called automobile mortgage. Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
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.
Let's talk about how to find a customer introduction when making a car loan.