First of all, loan officers need strong diplomatic skills and extensive contacts, otherwise it will be difficult to do so.

When someone borrows money from the bank due, the bank will discharge the loan officer to call for debt collection (the skills of debt collection will be trained by the bank).

Or if someone applies for a loan, the bank will bring a loan officer to the door.

There are two kinds of general salesmen (loan officers), one is enterprise salesmen, that is, they are engaged in business in enterprises and companies.

One is an individual salesman, that is, handling personal loans.

In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.

How do loan salesmen find customers and resources?

As a bank loan salesman, the first task is to expand customers and create benefits for the company. For an excellent loan salesman, it is not a big problem to expand customers, because they already have a lot of contacts and experience resources, but for many new bank loan salesmen or bank loan salesmen with few contacts, it is very difficult to expand customers. In this regard, Mai Lender summed up the skills and knowledge of those excellent bank loan salesmen and shared them with everyone.

First, thoroughly explore the company's products.

When you start looking for customers, the first thing you have to do is to explore the products you want to promote and master the product knowledge as much as possible. In the credit industry, you can often see that many bank loan salesmen don't know much about the products they recommend. When communicating with customers, they have to call the relevant personnel to find out the situation. Imagine if a person doesn't know much about his own products, how can he persuade others to buy your products?

Second, find customers through the Internet.

Now in this era when everyone is talking about the Internet, as a thoughtful loan officer, we should better integrate the Internet and help us expand our customers. The specific method is as follows.

1, using social tools to find customers.

Your Weibo, WeChat, circle of friends and space must show you the industry, products and professional knowledge you are engaged in and deepen the impression of your circle of friends. Usually, people may ignore it, but once you need a loan, you will definitely think of it first, but only if you don't just advertise, but really share some loan knowledge, loan skills and so on. In this way, the credibility of friends' introduction is high, and the risk of customers is directly reduced. Of course, it takes time, because not everyone needs a loan every day.

2. Settle in to help expand the customer platform.

This does not refer to the classified information platform, but is similar to the Mai Lender App platform. At present, Mai Lender App can release products, increase industry exchanges, enhance credibility, directly display contact information, and obtain first-hand customers at the lowest cost. Staying on such a platform can help you increase a lot of orders.

Third, the traditional offline exhibition industry

1. Expand customers through the yellow pages and magazines.

The yellow pages of telecommunications should be easy to find, and the most important thing is how to communicate with customers by telephone. The telephone exhibition industry is very particular. If we can attach importance to it, it can also help us increase a lot of orders. This can be understood through Baidu search "Mai Lender: Telephone Sales Summary of Loan Officers". As for magazines, I'll tell you about professional magazines here. Now the magazine industry is quite popular, and the customers of this kind of magazine are used to it. Generally speaking, as long as companies appear in magazines, there are better magazines such as HC and Universal. And this kind of magazines are more clearly classified and easy to find customers.

2. Bank loan salesmen can send small advertisements, announcements and business cards to find customers.

Although this method is not as high-end as advertisements in radio, newspapers and other media, and advertisements for inserting cars can be seen everywhere, it is one of the most basic ways of exhibition as a loan industry. This way, the advertising cost is low, and it can be directly displayed to middle and high-end customers with cars.

Fourth, introduce new customers by customer recommendation.

Loan officers who are new to the workplace often lend money to customers in need. A loan officer with a little ability and industry experience lends money to anyone, and a loan officer with a monthly income of 50 thousand helps all former users find new customers and turn all customers into their own employees. Think about it, isn't this exponential growth? The more users you lend, the more new users you recommend. At this point, you may have a question, so how do so many customers maintain good feelings? In fact, the method is very simple. You just need to add them as WeChat friends, then form a WeChat group, pull them all in, and then often chat and pour water in it, and send a red envelope from time to time to set off the atmosphere. If a customer introduces a new customer to you, you can give him a small reward and send it to the group. I'm sure someone will help you introduce your customers.

Mastering the above four methods, the bank loan salesman will be able to become an excellent bank loan salesman and realize his own life value after a long period of accumulation.

How to develop 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 with friends of some loan companies and financial groups.

(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 and have the possibility of cooperation.

5 now wechat is a very good platform. Add more friends and 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 to the channel? The process of formal bank handling is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form; (The lender shall fill in directly at the lending institution)

(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)

(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, Chinese mainland residents aged 18;

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

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

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 of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 4: I am an office worker. Do you want a channel? If you are already a user of our bank and have downloaded our mobile banking APP, you can log in to the mobile banking, home page-loan operation interface and try to see if there are any products suitable for you.

Question 5: How to broaden the marketing channels of microfinance products, or do you need to establish them yourself, online and offline, but mainly offline. The channel mainly depends on your product. If you mortgage your house, then run a real estate agent. If you have insurance, run an insurance company. Let's go

Question 6: If you want to be an agent, ask many channels to buy a document. There are many channels to represent you.

Question 7: What kind of channel is better? Yes, I used Le Yi Ai Feng bag, and the operation is very simple.

Question 8: How to develop business Hello, here's the thing. Peer communication and network broadening channels are the main methods. It depends on your shareholders' investment intentions and business advantages. Generally speaking, what small loan companies do is that banks can't accept collateral, or lenders' projects don't conform to national policies, some lenders are in a hurry to use money, and bank procedures are too slow; There are also bridge capital business and short-term turnover. However, at present, Beijing is mainly called "business" because money is tight. As for how to carry out it, it depends on the ability, contacts and social relations of your management team. 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 integral, target customer group selection

The company's target customer groups mainly have the following characteristics: customers have the ability to produce, operate and repay loans, and they can't get the financial services they need and don't fully enjoy them. The loan to customer orientation mainly includes two parts: the loan to customer orientation and the orientation of cooperative units.

(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.

Car loan salesman, how to run business every day?

When you start selling, you must have the following conditions and qualities:

First, self-confidence is the motivation for people to do things, and self-confidence is a kind of strength. As long as you have confidence in yourself, you should encourage yourself at the beginning of your work every day. I am the best! I am the best! Self-confidence will make you more energetic, believe in the company, believe that the products it provides to consumers are the best, believe that the products it sells are the best of its kind, believe that the company provides you with opportunities to realize your own value, and believe that you can do your own sales well. To be able to see the advantages of the company and its own products, and keep these in mind, to compete with competitors, we must have our own advantages and face customers and consumers with the belief of winning.

Before selling products, you should sell yourself and have confidence in yourself. Only by selling yourself to customers can you sell your products to customers.

Second, sincerity. Sincerity and mentality are the basic requirements to determine whether a person can succeed in doing things. As a business person, he must treat customers and colleagues sincerely with a sincere heart. Only in this way will others respect you and treat you as a friend. Business representatives are the image of the company, the embodiment of enterprise quality, and the hub connecting enterprises and society, consumers and distributors. Your words and deeds will directly affect the company's image incompetence. No matter what industry you are engaged in, you should have a sincere heart to face your customers, colleagues and friends.

3. Opportunities are reserved for those who are prepared and those who have the heart. As a salesperson, we should know every change of customers, try to grasp every detail, be a conscientious person, constantly improve ourselves and create a more wonderful life.

Fourth, it is actually very hard to start a business with willpower. I visit many clients and write many reports every day. Some people say that half of the sales work is done with feet, and the other half is done with brains. I will keep visiting customers, coordinating customers, and even providing services with consumers. Sales work is by no means smooth sailing, and there will be many difficulties, but we must have patience to solve difficulties, perseverance and perseverance. Only in this way can you do a good job in sales.

5. Good psychological quality. No matter what line of work you are in, you must have a good psychological quality in order to face setbacks and not be discouraged. Every customer we deal with has a different personality. We should be able to keep a calm mind when we are hit, analyze our customers more, constantly adjust our minds and improve our working methods, so as to face all the blame. Only in this way can we overcome the difficulties. At the same time, we should not be carried away by temporary success. We should face our work with a normal heart. Face your career.

6. An excellent salesperson must have the ability to execute, and must obey the arrangement of the superior leader and conscientiously implement the company's instructions. Some salespeople like to do their own thing. The company's instructions go in one ear and out the other, thinking that they are the best and don't listen to the leaders. This is a terrible business. Although your leadership is not as good as yours, he is your leader after all. If the company lets him be your leader, there must be something better than your leadership and management ability.

Seven, teamwork, sales rely on cooperation, sales staff can not be separated from the wise decision of the business department, can not be separated from the strategic planning of the sales office, can not be separated from the scientific planning of the region, can not be separated from the support and cooperation of various departments, and even can not be separated from the grace of God; However, it still needs the efforts of sales staff. The mountain is high and the sea is wide. Even if it is a brick and tile, at least dedication is the professional quality that salespeople must have. Personal heroic salespeople can't sell well.

Eight, to keep learning, a salesman should develop the habit of thinking, summarizing and summarizing every day, week, month and year. You have to negotiate with different customers in different ways every day. Only by constantly thinking and summarizing can we reach the most satisfactory transaction with our customers. As a salesman, you must face every day's work with a modest attitude and a positive attitude, study hard with an open mind and achieve the goal of success.

How does a salesman run his business?

1. When looking for customers, the first thing to do is to explore the products you want to sell and master some knowledge of the products as much as possible, because these knowledge will help overcome the difficulties encountered in business work.

2. Find customers. For new salesmen, it is the best choice to find customers online, so it is better to search some customer information through some websites online first and contact customers by phone.

In addition to finding customers online, you can also find customers through professional magazines and the like. Now the magazine industry is more popular, and the customers of such magazines are more practical. Generally speaking, as long as there are companies in magazines, there are better magazines, such as HC and Universal. , clear classification, easy to find customers.

4. Cultivate long-term customers. Every time you visit a customer, you'd better know the salesmen who are sitting in the waiting room waiting for the purchase interview with you. Knowing those talents is the purpose of visiting customers. Those people have real clients to do as long as they are willing to introduce themselves.

5. Cultivate a competitive and cooperative relationship with your peers, and your own customers will also increase in the process of exchanging customers. Because you can change A's customers into B's, of course, some special customers can keep them for themselves.

This is the end of the introduction of how loan salesmen operate their peers and how loan salesmen operate their peers. I wonder if you found the information you need from it?