I am a loan provider, what is the best channel to find customers?

1. Understand the company's business scope and fully understand the company's business to better communicate with customers and gain their trust;

2. Understand the company's current sales team Structure, analyze your own market circle based on other people's experience and your own actual situation;

3. Do a good job in goal planning, decompose performance tasks, and don't blindly find customers just to find customers;

4. Understand the area of ??your city and find target customers;

5. Serve every customer sincerely, don’t rush for success, be down-to-earth, and build your own reputation.

The top ten channels for developing new customers

1. Discover from the people you know

One by one, this is the best way for salespeople to make friends. Quick way. One of your friends does not need your car, but are you sure that your friends do not? Get to know them, and you will get to know a lot of people. Tell the people around you what you are doing and what your goals are, and gain their understanding. You will quickly find your potential customers, because the people around you will help you and are willing to help you.

2. With the help of professionals

Most companies form a team of novices and experienced veterans to work together, and let the veterans train the novices for a period of time. This corporate mentorship system works well around the world. Through this system, the knowledge and experience of the company's veterans are recognized, while helping to train newcomers. Of course, you can also entrust a company or other companies to find customers for you, which requires the support of the company. There are many kinds of agents, and they can provide many kinds of services. You should find the right agent according to your strength and needs.

3. List provided by the company

If you are serving a company, the company will obtain the best performance through the details of advertising and marketing. Many businesses provide performance lists to their salespeople, and in order to be a good business master, you also need to find your potential customers from them. This way, even if you get nothing from a business’s list, you’ll be prepared. If you're constantly on the lookout for potential customers, you'll hit your stride with minimal setbacks.

Check the list of past customers and you will not only gain future business, but also business from their referrals.

4. Develop business contacts

Whether you have just started to contact sales, you are likely to be in sales. Business connections are easier than social connections. With the help of personal contacts, you will make business contacts faster. Not only consider people you know in business, but also government functional management departments, associations, driver training schools, clubs and other industry organizations. These organizations bring you a huge group of potential customers behind them.

5. Get to know salespeople like you

You have come into contact with many people, including salespeople like you. Well-trained sales staff sent by other companies are familiar with the characteristics of customers. As long as they are not your competitors, they will usually make friends with you. Even if they are competitors, you can become friends and have a good relationship with them. You will gain a lot of experience and they will remember you when they visit customers. , if you have the right customers for them, you will definitely remember them. How great. Not to mention the additional performance, you have a very capable business partner.

6. Find potential customers from car customers

When old vehicles are about to be phased out, the salesperson who contacts the customer at the right time will win. Plan early and you'll achieve great results. Remember, intervene early.

7. Read newspapers

The most effective tool for finding potential customers may be the newspapers that are delivered to you every day. As you read, outline all the opportunities you discover. Unless you do international trade, you'll probably like to look at the local news section, the business section, and the statements section. The parts that are beneficial to most people are the parts that describe the lives of ordinary people. Learning to read a newspaper only takes a few days of practice, and once you get started, you'll be surprised at how much valuable information you can find. Pay attention to sketching and recording. Get today's newspaper, read every front-page story, and tick off the narratives that have some business value to you.

Just like a good salesperson, make an effort to contact the relevant people, leave a copy for yourself, and then send a brief letter: "I saw you in the news, I do business locally, and I hope to communicate with you." Meet up. I think you might want to have a copy of the press release to share with friends and family and include a business card. People like to be in the news and like to mail copies of articles to relatives and friends who are out of town. By offering this small service, you can get a lot of big business.

8. Get to know vehicle service and technicians

Others in the company will think of you when they hear valuable information. For example, someone in the finance department knows that the bank may buy a car. This is valuable information in sales. You can arrange a visit. Make it a habit to regularly check your business's service and repair records. Ask the customer service department how many inquiries your customers have made. If multiple times, you need to return to them. Maybe they're in a growth phase and you can help them win new services. Strive to provide more than the average salesperson provides, which will help you build long-term relationships, build credibility, and gain referral business.

How to run business as a credit salesperson?

First of all, a loan officer needs to have strong diplomatic skills and wide connections, otherwise it will be difficult to become a loan officer.

When someone's bank loan matures, the bank will send loan officers to come to collect the debt (the bank will train them in debt collection techniques).

Or when someone applies for a loan, the bank will ask a loan officer to come to provide service.

General salespersons (loan officers) are divided into two types. One is a corporate salesperson, who goes to enterprises and companies to do business.

One is a personal salesperson, who handles personal loans.

In addition, of course the bank will give you a desk, but you mainly have to go outside. If you have a relationship, of course it will be easy, but if you don’t have a relationship, it will be difficult. Because every salesperson has indicators.

What are the ways to get a loan?

There are three main types of loan channels.

The first is to get a loan from a bank. Advantages: As long as you are strong, there is no upper limit on the loan amount and the interest rate is relatively low. Disadvantages: The threshold for bank loans is relatively high, and the requirements for personal comprehensive strength, credit status, repayment ability, and guarantee conditions are relatively high.

In addition, if the amount is relatively small, you can also use a credit card and gradually increase the card size. Generally, you can get 200,000-300,000.

The second is to borrow money from Internet financial institutions. Advantages: Convenient and fast, low threshold, such as Alipay’s Jiebei and WeChat’s Weilidai. As long as you frequently use their APP, they can provide you with a credit line based on the information they collect about you daily. Disadvantages: Loan amounts are generally not very high.

The third is private lending. This is a matter of opinion. When you meet someone who thinks highly of you, you can borrow money at a low interest rate, and the procedure is very simple, just an IOU. If you meet someone, as long as you dare to borrow it, they will give it to you. I'm not afraid that you won't pay back the money.

There are many ways to get loans. Let me briefly list them for you:

Bank loans

Currently there are more than 3,800 banks in our country, basically every bank You can get a loan. The biggest advantage of a bank loan is that the interest rate is relatively low. Under normal circumstances, the one-year interest rate for a mortgage loan is between 6% and 8%, and the one-year interest rate for an unsecured credit loan is between 12% and 15%. between.

However, it is generally difficult to apply for bank loans. If you are not a high-quality customer, or you have few assets, it will be difficult to get a loan from the bank.

Licensed companies

Licensed companies are companies with licenses, such as technology, rural companies, etc. These companies generally have specific loan destinations, and the interest is about 1.5 per month. Around %, the amount is possible from 100,000 to tens of millions.

Unsecured companies

At present, there are many unsecured and unsecured companies on the market. These companies have a wide range of business. Individuals and businesses can apply, and the processing is more flexible. These unsecured companies have a wide range of businesses. The monthly comprehensive fee for companies with unsecured mortgages is about 2.5%, and the amount is generally between 10,000 and 500,000.

Of course, if you have a house as mortgage or an insurance policy or a vehicle, the interest rate will be relatively low.

p2p platform loans

P2p platform loans mainly serve as an intermediary for the platform to bring together rich people and people who need money. At present, the number of p2p platform loans is The interest is similar to unsecured interest, and the amount depends on the specific needs of the project.

Big platform online loans

There are currently several types of online loans, among which the online loans launched by some big brands are one of them, such as Alipay’s Jiebei, WeChat’s Weilidai, JD.com Gold bars, Baidu Youqianhua, 360 IOUs, Xiaomi, Wandadai, etc. The loan amount on these platforms is generally between 1,000 and 300,000, and the interest is charged on a daily basis, with the daily interest rate ranging from 1.5 to 6/10,000. .

Consumer Loan

Consumer loan is a product launched by some consumer finance companies, and it is also very popular at present. However, consumer loan is generally carried out in installments when you purchase items and cannot be taken out directly. With cash, for example, if you buy a mobile phone or computer, you can pay it back in 12 or 24 installments.

Cash loans

Cash loans are also very popular at present, but the current regulatory authorities have strict supervision on cash loans. Therefore, many cash loan platforms have ceased business. Cash loans are mainly used to solve short-term money shortages. The term is normal between seven days and 30 days. The general amount is between 500 yuan and 50,000 yuan. However, the interest rate of cash loans is very high, and interest is generally charged on a daily basis. The daily interest rate ranges from 1‰ to 5‰, that is, the interest rate for borrowing a thousand yuan per day is between one yuan and five yuan. If this interest is converted into an annualized rate, it will reach several hundred percent. , so unless it is absolutely necessary, it is recommended that you do not approach this kind of cash loan.

Private loans

Private loans are also commonly known as personal loans. Currently, private loans are quite confusing. It is recommended that you do not contact them.

Of course, in addition to the above loan methods, if you are a corporate customer, you have several other loan methods to choose from.

One is supply chain loan.

Supply chain loan is a loan method for payment between upstream and downstream. For example, a wants to purchase a piece of goods, and then he applies for a loan of one million from financial company B, but the 1 million The loan is not given directly to a but directly to a's supplier c customer.

Another option is equipment leasing financing.

Equipment financing means that if you need this equipment, you can find a financial leasing company to help you buy the equipment, and then you can repay it in installments, or only within a certain period of time.

Of course there are other loans, such as trade loans, which I won’t go into detail here.

Loans mainly come from five channels: banks, Internet companies, online lending institutions, consumption companies and companies.

1. Banks

The first type of institutions are banking financial institutions, such as large state-owned commercial banks, joint-stock commercial banks, city commercial banks, and provincial credit cooperatives. Among them, large state-owned banks The interest rate is relatively low.

2. Internet Company

The second organization is an Internet company. The more famous products of Internet companies include: Tencent’s Weilidai, Ant Financial’s Ant Borrowing, and Baidu Rich. Flowers etc.

3. Online lending institutions

The third type of institutions are online lending institutions, mainly referring to p2p, such as Youwodai, Paipaidai, Renrendai, etc. Loans in online lending institutions The most favorable reviews have the highest interest rates. The interest rates of many institutions exceed the lower limit stipulated by the Supreme People's Government by 36%.

4. Consumer Finance Company

The fourth type of institution is consumer finance company. There are 17 consumer finance companies in my country, such as Bank of China Consumer Finance Company, China Post Consumer Finance Company, etc.

5. Company

The fifth type of institution is a company. There are probably thousands of small loans and companies in our country, which are divided into online small loan companies and non-online small loan companies.

Among the above five types of institutions, the loan interest rates from low to high are banks, consumer finance companies, Internet companies, companies and online loans. It is recommended to apply for a loan from a bank first, followed by companies with a consumption amount, and online lending institutions rank last.

Friend, although I am a professional financial worker, your question makes it difficult for me to answer. In short, there are many ways to get loans.

Let’s put it this way, if your loan refers to a wide range of objects and is not limited to bank loans, in addition to the effective way of bank loans, you can also apply to formal financial institutions such as companies and financing companies. Leasing companies, finance companies, trust companies, theme finance companies (such as auto finance companies that provide loans specifically for car purchases), etc.; there are also private P2P platforms and other informal Internet finance companies.

But I told my friends that we should stay away from illegal lending companies to avoid falling into the whirlpool; the most reliable, safe, reliable, and low loan prices are banking institutions. There are many banking institutions, including large state-owned businesses. Banks include the five major banks of China Construction Bank, inter-regional large-scale joint-stock commercial banks, and local small and medium-sized commercial banks such as city commercial banks, rural commercial banks, rural credit cooperatives, etc.

Each bank may have inconsistent requirements for loan conditions. Some have high thresholds, some have low thresholds, some have very strict requirements, and some have relatively loose conditions. We cannot generalize. You can apply for loans based on your own conditions. Contact and deal with them according to the conditions to solve your loan needs.

As for the conditions you asked for a bank loan, the requirements of each bank may be roughly the same. Of course, there are some differences in details, which depends on your own conditions.

Usually, bank loan conditions require the following:

1. Conditions for personal credit loans

(1) The bank requires the borrower to have a second-generation ID card, Proof of stable employment, proof of income, and proof of loan purpose;

(2) Good personal credit status;

(3) There are also certain restrictions on the borrower’s income, generally The borrower's average monthly income is required to be no less than 4,000 yuan.

(4) After submitting relevant application materials and passing the bank review, you can apply for a loan of 5-8 times your monthly income.

2. Conditions for housing mortgage loans

(1) In addition to strong requirements on the borrower’s income and credit, the age of the house must be within 20 years, and the area of ??the house must be Greater than 50 square meters;

(2) The house has strong liquidity; the mortgage loan amount generally shall not exceed 70% of the appraised value of the house;

(3) Submit relevant information in this way . After being approved by the bank, you can apply for a loan of up to RMB 15 million and with a term of up to 20 years.

3. Conditions for entrepreneurial loans for college students

(1) Current college students and college students who have graduated within two years;

(2) College degree or above;< /p>

(3) Over 18 years old.

Relatively speaking, the application conditions for this type of loan are relatively loose. You only need to submit your student ID, transcripts, statements and other information to the bank. After approval, you can obtain the loan.

4. Conditions for self-employed loans

(1) Must have full civil capacity and have a local household registration;

(2) Have a fixed local business location , and have a stable income;

(3) Be able to provide legal collateral (pledge);

(4) Open a deposit account in the lending bank. After meeting the above conditions, submit the information required by the bank for review.

5. Conditions for housing mortgage loans

(1) Have a valid ID card and proof of marital status;

(2) Good credit record and repayment Willingness;

(3) Stable income;

(4) Commercial housing sales contract or letter of intent for the purchased house;

(5) Having the ability to pay for the purchased house Ability to pay for the first installment of a house;

(6) Open a personal settlement account in a bank and have a valid guarantee.

After meeting the above conditions, just submit the application information to the bank, and the bank will review and decide whether to lend.

Now here are the specific loan conditions of several banks for your reference:

First, what are the conditions for a Construction Bank loan:

1. There must be a fixed Income depends on salary details;

2. Be 18-50 years old and repay the loan before the age of 65;

3. If the loan is used for business or car purchase, it must be guaranteed The mortgage requires the borrower, the borrower's spouse, and other assets that can be traded on the market, such as commercial housing and commercial buildings, as collateral.

The guarantee must be in the form of a natural person guarantee, and the guarantor must be a VIP customer of China Construction Bank;

4. No bad credit record. The monthly payment shall not be higher than 50% of the family’s salary income.

Second, what are the conditions for a Bank of China loan:

1. A natural person with full capacity for civil conduct;

2. Valid proof of personal identity;

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3. Have the legal ability to repay the principal and interest of the loan;

4. Have good personal credit;

5. Hold a car purchase contract and agreement recognized by the handling bank or a letter of intent to purchase a car;

6. Provide mortgage/pledge recognized by the handling bank or an individual or unit with sufficient solvency to provide a third-party irrevocable joint liability guarantee; or provide an individual that meets the requirements of the Bank of China Personal "Interim Measures for the Administration of Revolving Credit Loan Quotas" corresponding information on customer access conditions;

7. Proof of ability to pay the first installment of the car purchase within the limits stipulated in these Measures;

8. Bank of China Other conditions specified.

Third, what are the conditions for a Postal Savings Bank loan:

1. A farmer’s bank loan requires the borrower to be married, while a merchant bank loan requires the borrower to have a business license, and Normal operation for more than half a year;

2. Have full capacity for civil conduct, good health, and the ability to work, produce and operate;

3. Two family members are in the labor force and are 18 years old Between 60 years old;

4. Have a local household registration or have lived there for more than one year;

5. 1 to 2 natural persons need to be provided as guarantee. The guarantor must be a national civil servant, People with stable incomes such as teachers and doctors may form a joint insurance group of 3 to 5 households;

6. Have a stable business location.

Friends, it will be clear at a glance by comparing the loan conditions and requirements of the bank. If you want to get a loan, just compare the requirements and complete them one by one. I wish you a successful loan!

Bank loans generally include credit loans, mortgage loans, and housing loans.

First: Credit loan

For credit loans, taking China Merchants Bank as an example, there are flash loans for debit cards and e-Zhao loans for credit cards, which all fall within the category of credit loans. No information is required, the main thing is that the credit report will pay more attention to it, and the maximum is 300,000.

Second: Mortgage Loans

The most popular loans now are mortgage loans, which generally require real estate in the local area or surrounding cities.

Third: Home loan

It is the loan needed to buy a house. For first-hand houses, there are special partners. For second-hand houses, you can consult the bank directly.

Loan channels are generally divided into four categories: the first choice is definitely bank loans, then consumer finance, then small online loans, and finally private loans!

Bank loans are well known for their high loan limit, low interest rate and flexible repayment methods! Of course, his requirements are relatively high. If you apply as an individual, you generally need to have a house, a car, social security, provident fund, salary payment, and an insurance policy. You can apply by combining these conditions. For example, if you have a salary of more than 5,000 and a provident fund base of more than 5,000, you can get loans from many banks. And his requirements for credit reporting are relatively high.

In consumer finance, there are basically consumer finance companies under general banks, such as the common Bank of China Consumer Finance, Industrial Consumer Finance, Dashu Finance, etc. Their requirements are lower than those of banks. a lot of. For ordinary office workers, if you have a provident fund with a minimum base of 2,200, you can do it, but the interest rate is a little higher than that of banks, which is basically about 1 cent.

Small-amount online loans, companies, such as online Jiebei, Weilidai, Baidu Youqianhua, and 360 IOU are all small-amount online loans, and offline companies like Bomin, Zhongan, and Ya The interest rates of Lian Finance, etc. are a bit higher than those of consumer finance, basically between 1 cent and 3 cents. The requirements are relatively low, as long as you have social security or salary payment.

In private lending, there are many people who specialize in lending, and the interest rates may be high or low, but many are. Some require collateral, while others are pure credit. The water is very deep, so we recommend you not to touch it easily.

As people’s consumption levels increase and the pace of life becomes faster, people will take out loans when they need to circulate funds. So what are the main ways to get loans? What qualifications are required for a loan?

1. Loan channels

1. Bank loans

When it comes to loans, the first thing that comes to mind is bank loans, which are also the most commonly used ones. way. For example, among large state-owned commercial banks, joint-stock commercial banks, city commercial banks, and provincial credit unions, the interest rates of large state-owned banks are relatively low. The interest rate of bank loans is relatively lower than that of other institutions, but the approval time will be longer, and bank loans are generally for high-quality customers, so the threshold for users is relatively high, and if the information is incomplete, it will As a result, the approval is not passed or the quota is reduced.

2. Loan companies

Since the number of loan users provided by banks is limited and demand exceeds supply, loan companies have emerged. Some loan companies do not require mortgages, but their interest rates will be very high. Currently, there are many unsecured and unsecured companies on the market. These companies have a wide range of business. Individuals and businesses can apply, and the processing is more flexible. These companies The monthly comprehensive fee for an unsecured and unsecured company is about 2.5%, and the amount is generally between 10,000 and 500,000.

There are also some loan companies that hold licenses. These companies generally have specific loan destinations. The interest rate is about 1.5% per month, and the amount can range from 100,000 to tens of millions.

3. Online loans

Everyone is familiar with online loans. Especially in recent years, many online loan platforms have emerged. Their characteristics are low thresholds and high loan amounts. , the approval is fast, basically it is completed online, and the approved amount will be credited to your account in seconds. The loan amount on these platforms is generally between 1,000 and 300,000, and interest is charged on a daily basis. The daily interest rate is approximately between 1.5 and 6/10,000.

4. Consumer loans

Many people have never heard of consumer loans, but they have used them. What is consumer loans? It means that you do not need to pay the full amount when purchasing goods. You can pay in installments according to your own situation, but at the same time, you will also be charged a certain installment fee. Currently, with the use of online consumption, the number of consumer loans has gradually increased.

2. Loan qualifications

According to the bank’s standards, your credit report plays a decisive role, which means that you have no overdue bad debt records. Generally, there are If you fail to do so three times in a row, you will be directly blacklisted by the bank. The second is your financial situation. Your income can be referenced through bank statements, and fixed assets are also bonus points for loans. Basically, if your credit record is good and you have the ability to repay the loan, the bank will issue a loan. Banks are the most demanding of all loan channels. If a bank can successfully obtain a loan, other channels will certainly be able to do so.

According to current real estate bank loan data, the down payment for mortgages in second-tier cities is generally 30%. The proportion of first-home mortgages in first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen is 35% to 40%. In order to promote In real estate sales, there may be a 20% mortgage loan situation. Therefore, the percentage of the down payment for buying a house is not your choice, but is determined by the corresponding lending bank, and these banks often have signed agreements with real estate developers in advance. To purchase a house in a corresponding real estate, you can only find a corresponding bank for a loan. There may be 1 to 3 banks that can apply for loans at the same time. Then you need to ask different banks about their down payment ratios and whether there are any discounts.

Ride the bull and watch the bears. I still remember that 10 years ago, the bus was 1 yuan, but now it is 2 yuan; . . . . . The prices of many things are rising. If we look at the housing prices 10 years ago, they have increased several times. We can only exclaim that "money is becoming less and less valuable." This is mainly because of the continuous development of social economy. People's "purses" are getting warmer and warmer, and money is constantly being issued, which invisibly leads to inflation.

In fact, from the perspective of currency depreciation, currency is a medium for transactions. When currency is over-issued, depreciation will follow, which will trigger the emergence of inflation.

So now, looking at 10, 20, or 30 years from now, no matter how much inflation is suppressed, it will grow according to certain economic laws. The growth rate can be controlled through macroeconomic control, but it is almost impossible to completely curb it. Therefore, when buying a house, home buyers You should choose long-term repayment terms of 20 and 30 years, so that the pressure will become less and less as time goes by, and you will have more money to use to buy cars, do business, invest and other ways to make money.

Let me tell you a joke first. When I was still working as a teacher, I went to a credit union in our town to prepare a loan to start a business.

The loan officer of the credit union was desperate. Lend it to me. It's unreliable to say that I'm not married yet and I don't even have a family...

Okay, no kidding, let's get back to the story.

What are the conditions for a bank loan? 1. Credit reference 2. Mortgage Generally speaking, when doing small loans in banks, you spend more time in credit inquiries

When doing small loans in banks, whether you are borrowing over the counter or at the bank For loans in the APP, the first thing you need to do is check your credit score.

If your credit report is fine and you have never been overdue with the bank, there is basically no problem. However, if you take a loan over the counter, even if your credit report is fine, but your loan record is quite confusing, you will be treated as a dishonest person.

Therefore, the loan should be operated through the bank APP as much as possible. It's better to deal with computer programs than with people. They only understand rules. If the credit report is OK, the loan will be OK.

When making large-scale loans, you need to use a mortgage

If you want to make large-scale loans in a bank, and you do not have a great reputation or strength, then the bank In addition to checking your credit record, you will also be asked to show collateral.

My brother works in engineering in Guangxi. The year before last, because I was working on a project, the superiors never settled the project funds. The workers needed wages and caused trouble on the construction site

Later, in order to pay the workers wages, my brother took out a mortgage loan from the bank and pledged the property. It was the house where he lived

With the collateral, the bank gave him a loan. I borrowed hundreds of thousands

The above are the ways to get a loan from a bank and the information you need to use. If you also want to get a loan from a bank, you might as well read more.

Several loan channels across China:

First, bank loans: Applicants are required to have good conditions, especially good credit and a close relationship with banking business;

①The punch-in salary is more than 5,000

②There is a social security provident fund (individual payment is more than 600)

Second, formal financial institutions: loan review is slightly looser than banks, but good collection A letter is also a necessary condition;

①The applicant has commercial insurance in his name

②The applicant has national monthly housing in his name

3. P2P lending platform: application conditions It's relatively loose, but the interest rate is relatively high;

You can apply for a loan normally without anything as long as your credit report is good.

Customer acquisition channels for loan intermediary companies

1. Loan service platform

On the one hand, we continue to obtain high-quality loan products, enrich product types, and meet the diverse needs of customers. Loan needs; on the other hand, it connects various types of loan intermediary practitioners, realizes direct connections between loan customers and banks through the system platform, and conducts online operations conveniently and quickly. Let customers enjoy the bank's financial services anytime and anywhere, improving customer satisfaction and stickiness.

2. Establish online connections

Financial institutions move their businesses and products online, establish and extend connections through digital systems or APIs and SDKs, and expand the breadth and depth of connections. , increase customer acquisition channels and scenarios, and digitize the service and marketing process.