I. Orientation of cooperative units
1. Orientation of individual housing loan cooperative units
(1) First-hand individual housing loan cooperative unit
(2) Second-hand individual housing loan cooperative unit
(3) Access of cooperative units
2. Positioning of other individual loan cooperative units
(1) Other individual loan cooperative units
(2) Access of other individual loan cooperative units
Second, loan customer-oriented customer-oriented.
① Natural persons with full capacity for civil conduct, aged from 18 to 65 (inclusive);
(2) Having legal and valid identification (resident ID card, household registration book or other valid identification) and 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 breach of contract in the personal credit information system of the People's Bank of China and other relevant personal credit information systems;
(4) Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5 willingness to repay;
⑥ The loan has practical use, etc.
I. Marketing of cooperative units
1. Marketing of individual housing loan cooperative units
(1) cooperative unit marketing of first-hand personal housing loan
(2) Marketing of cooperative units of second-hand personal housing loans
2. Marketing of other individual loan cooperative units
Second, network marketing.
1. Classification of outlet marketing channels
Network institutions vary according to customer orientation, mainly including:
Omni-directional marketing channels of outlets, professional marketing channels of outlets, high-end marketing channels of outlets and retail marketing channels of outlets.
2 .？ Direct guest style? Personal loan marketing model
So-called? Direct guest style? Personal loan refers to the use of bank outlets and wealth management centers as the main channels for sales and services, and bank account managers follow the? Know your customers and get to know them? The principle of direct marketing to customers, accepting customers' loan demand.