First, small and micro enterprises and individuals account for the vast majority of loan demanders, but at present, China's banking industry has not paid enough attention to this piece, and the development space of China's small loan business is still huge. With the further improvement of China's credit system and people's attention to credit, the development prospect of small loan industry can be expected for a long time. However, in the short term, due to the adjustment of China's economic structure, the operating pressure and capital pressure of small and micro enterprises are gradually increasing, and enterprises and individuals are facing some practical difficulties, which requires us as credit personnel to strictly control risks, carefully select customers and industries, and at the same time grasp the business opportunities brought by the overall shortage of funds in the market to the small loan industry. Generally speaking, the small loan industry is a booming emerging industry full of opportunities and challenges.

Second, as a loan officer, the customer is king is the only truth, but as for how customers get it, what I want to say is that the channel is king. A loan officer who can survive must have a group of high-quality customers. An excellent loan officer must have his own high-quality channels. So how to open up the market, especially the channels? Channels are actually everywhere. Your neighborhood aunt is your potential channel, your child's head teacher is your potential channel, and the decoration market you bought for the renovation of your new house is your potential channel ... The neighborhood aunt knows who is short of money and who has lost business recently, even selling her own business. Your child's head teacher knows what cars parents in his class drive and what watches they wear. Have you suddenly been free to attend the parent-teacher conference recently? Almost every shop in the decoration market that needs funds and goods distribution is your potential customer ... Opening these markets, a cup of hot tea, a warm word, and an equal eye contact with uncle security may bring you a loyal channel that will benefit you for life. I really don't think 200 points is enough. . .

Third, how to be a qualified loan officer? I have actually answered your second question about business thoroughly, at least more thoroughly than the students. In addition to outstanding business ability, one of the most important aspects of doing things is being a man. Bring the study habits you developed in high school instead of college into the unit, learn business knowledge and master basic skills as soon as possible; Get along well with every old and new friend, cherish every opportunity to go out for marketing with them, and learn their words and behaviors; Buy some marketing books, always improve yourself, and listen to your boss carefully, because the boss is the one who wants you to make achievements most besides your mother; Don't be afraid to work overtime, and don't envy some fried dough sticks and habits of the elderly. You have no capital. You may not be a top loan officer yet, but you are qualified enough.

I spent 1 hours typing the full text by hand. I hope I can help you ~ ~