This kind of study abroad loan business is available in both Bank of China and China Construction Bank. China Construction Bank's personal education loan named "Yi Xue Loan" (hereinafter referred to as "Yi Xue Loan") is a special-purpose loan product for individual customers with educational financing needs such as studying abroad and high-end on-the-job education. For details, please call 95533 for consultation and provide 24-hour service. Call now, and charge by local call.

Second, how to open up channels

Question 1: How do loan salesmen develop customers through channels?

Baidu knows that Post Bar, Alibaba, P2P, industry websites, forums and QQ groups are all good search platforms.

② Exchange customer resources in some loans.

(3) Ask the old salesman of the company, or check the cooperation unit of the company to see if there is any fish that escapes from the net.

(4) Investigate the market situation in the region, first understand which units in this city are engaged in this industry, and see if they can go online.

5 now wechat is a very good platform. Add more friends, send more loan information, others will think of you when they need it, and you can also search online more.

I hope it helps you! ! Hope to adopt! !

Question 2: How to get through the formal bank? The process is: a series of materials other than the first ID card, including

(1) loan application approval form; (

(2) proof of residential address; (Certificate or payment issued by neighborhood committee)

(3) proof of work and income;

(4) Other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.

Question 3: What channels can I apply for in a local bank?

Application conditions:

1, at least 18 years old.

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. No bad credit record and no loan.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3, face-to-face signing silver

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Is there a payment channel? If you are already a user of our bank and downloaded it, we can try to log in to your mobile phone to see if there is one suitable for you.

Question 5: How to broaden microfinance products? Both online and offline, but mainly offline. If it's a mortgage house, go to a real estate agent. If it's an insurance policy, run an insurance company.

Question 6: I want to do many agency channels for you.

The problem channel is better? Yes, I used Le Yi Ai Feng bag, and the operation is very simple.

Question 8: How to carry out this kind of peer exchange and broaden the channels of contacts? This is the main method. It depends on your shareholders. Generally speaking, small loans can't guarantee collateral, or projects that can't be loaned according to national policies. Some lenders are eager to use money, and bank procedures are too slow; There is also a bridge fund business in Beijing, which is mainly called ""business at present, because money is tight. As for how to develop, pulse and social relations. Each has its own way, so we can only talk about it in detail.

Question 9: How should a salesman of a company find a customer? 10,

The company's target customers have the ability of production, operation and financial services, but they don't fully enjoy the gold and customer orientation, which mainly includes two parts: loan customer orientation and cooperative unit orientation.

(1) The loan is customer-oriented.

Customer orientation is the company's choice of service objects, and it is also the process that the company chooses customers according to its own advantages and disadvantages, meets customer needs and makes customers become its loyal partners. Taking low-and middle-income people as the group has always been the business and service orientation advocated and adhered to by the company, including farmers and herdsmen, individual industrial and commercial households and small and micro enterprises.

1. Reference conditions for corporate personal loan customers to apply for loans:

(1) Natural person with full capacity for civil conduct, age 18-65 years old (inclusive);

(2) Having legal and valid identity certificates (resident ID card, household registration book or other valid identity documents), 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 serious breach of contract in the personal credit information system of China People's Bank;

(four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(5) Willingness to repay;

(6) The loan has real use, etc.

2. Reference conditions for corporate customers to apply for loans:

(1) conforms to the national industry and industrial policies, and does not belong to micro enterprises with high pollution, high consumables and high energy consumption;

(2) The enterprise has been approved and registered by the administrative department for industry and commerce, and passed the annual inspection by the Bureau of Industry and Commerce, Taxation, Technical Supervision and the People's Bank of China;

(3) Having an operating period of more than 3 years, and having transparent auditing and accounting accounts;

(4) The legal representative has good business reputation and practice experience;

(5) Fulfilling social responsibilities;

(6) Enterprises have certain competitiveness in the industry;

(7) The shareholders' meeting or partners unanimously decide to apply for loan guarantee;

(8) the production and operation of special industries have obtained industry licenses.

(B) the positioning of cooperative units

In addition to directly facing loan customers, the company can also use other platforms to expand its business chain and provide financial services.

Second, the main ways of customer selection

Regional selection

(B) income structure choice

(3) Differentiated choice of industries

(D) Personalized service target customer selection

Third, the key points of customer selection

(a) to micro or small enterprises, low-income people as the main loan target;

(2) The capital demand has the characteristics of "small amount, quick speed and dispersion";

(3) Lack of collateral required by traditional banking institutions, but judging from some non-financial "soft information" of loan applicants, they have good credit standing and have the ability and willingness to repay the principal and interest.

Four. Business scope of the company

(1) The business scope stipulated in the current pilot policy

Under the current pilot policy framework, local regulatory authorities have different regulations on the company's business scope. However, it basically does not absorb public deposits, discount bills, and related consulting activities and other approved businesses.

(2) General loan business

Loan business refers to a way of using the company's own funds in the form of monetary funds to lend to customers at a certain loan interest rate and repay them on schedule.

1. Loan term

2 loans are divided into working capital loans and fixed assets loans according to their purposes.

Loans are divided into credit loans and secured loans according to whether there is guarantee or not.

(3) Microfinance intermediary business

In addition to the general loan business, the company can also carry out some intermediary business within the permitted business scope. However, in the actual operation process, the intermediate business is basically blank.

Question 10: How to invest? If it is a p2p company, don't consider it. The state explicitly prohibits p2p financial companies from setting up offline stores. P2p is a kind of Internet finance, and advertising on the Internet is not allowed. It is suggested that online shopping is safer. In addition to online, we should also pay attention to the choice of platform.

3. What is a small and micro enterprise loan?

Small and micro enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and time limit for production and operation. Small and micro enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, unit certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.

4. How long is the loan term for small and micro enterprises?

Different banks and different types of small and micro enterprises have different loan terms. Please consult the loan handling bank for details. The credit term of Ping An Bank's small and micro enterprise loan is determined comprehensively according to the credit purpose, repayment ability, guarantee method, asset turnover and production and operation cycle of the credit applicant, which requires comprehensive judgment, but the longest time is no more than 65,438+00 years, and the natural person (actual controller of the enterprise) on the maturity date cannot be over 65 years old. If you need to apply, you can consult the corporate account manager of Ping An Bank outlets. You can click on the following link to inquire about the contact telephone number, address, business hours and other information of Ping An Bank outlets nearby.

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Reply time: 202 1-03-3 1. Please refer to the latest business changes announced by Ping An Bank in official website.

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