1, understand your business; 2. Know the employees you are responsible for; 3. Know your customers. Although simple, it is not easy to do. For example, know your own business, including various loan processes, including customer survey, loan approval, loan operating system operation, etc. Another example is to know your customers, including the demanders of retail loans and the dealers of mortgage loans. Car loans also need to know the car dealership models. It is important not only to know each other, but also to have a good relationship with the leaders of these customers. Of course, the sales girl can't ignore it. Otherwise, who will recommend you retail loan customers? In addition to the above three points, we should also communicate with the bank's superior leaders, supervision departments and risk management departments to obtain their support.