Cooperative organizations, customer service groups and public resources.
Customer resources of loan business can be obtained from the following aspects:
1. Through its own customer base: For a liquid revolving loan company, Biwo can obtain loan customers from its own customer base. For example, banks can get loan customers from their own savings customers, and trust companies can get loan customers from their own investment customers.
2. Cooperative institutions: You can cooperate with other institutions to obtain loan customers from the customer groups of cooperative institutions. For example, you can cooperate with real estate agents to obtain loan customers from the intermediary's customer base.
3. Online channels: online channels can be used to obtain loan customers. For example, you can carry out loan business on the online platform and accept online applications.
4. Public resources: loan customers can be obtained from public resources. For example, we can obtain loan customer information from government departments and industry associations.
Generally speaking, there is not a single channel to obtain loan customers. We can choose the appropriate channel to obtain customer resources according to the actual situation.
Where can I find a loan customer?
Loan customers can be found through different channels, offline: office buildings, telephone companies' finance departments, publicity around the community, wholesale markets, agricultural products markets, electronic markets and other professional markets.
Online:
Telemarketing: telemarketing through real estate agents, banks and automobile 4S shops to obtain customer resources.
Classified information websites: Tongcheng, Jiji.com, Baixing.com and other 58 information publishing platforms publish information.
Social platforms: WeChat circle of friends, etc.
In addition, there are mainstream video apps and advertisements.
When issuing loans, borrowers need to meet certain conditions, such as submitting valid identification, bank account, work certificate, loan application form, etc. After the submission, the bank will review it, and the borrower can get the loan after passing it.
When an individual applies for a loan, he can choose the repayment method of average capital or equal principal and interest, which is generally determined according to his own income. When his personal income is relatively large, he can choose the average capital. If his personal income is relatively small, he can choose the repayment method of equal principal and interest, and he can return it in advance after handling the loan.
Individual users must repay the loan on time after handling it, and there can be no overdue repayment. Because there will be penalty interest after the deadline, the longer the time, the more penalty interest. Moreover, the bank will collect overdue records, and the overdue records will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the re-application of subsequent loans.
How does the loan industry find customer resources?
The main draft has three aspects:
First, look for loan customers online.
1, electroacupuncture
Loan officers are certainly no strangers to telemarketing. Every new loan officer will make a phone call, which has two advantages. First, improve their business knowledge, and second, the cost is low, and the income of first-hand loan customers is higher, only some telephone bills and bills are needed!
Two key points of power sales:
(1) bill quality
You can go to real estate agents, decoration companies, car 4S shops, banks and so on to buy quality customer lists. The greater the demand for funds, the more the demand for loans;
(2) telephone volume
Call at least 200 times a day, because the phone is the number, looking for a needle in a haystack, and it's useless without a number! Do these two things well, and it is basically no problem to open two orders in January!
2. Information classification website
58 city, market, people, one board, list, today, etc. These websites all have the phone number of the small boss, you can press to find and call!
3. Various industry websites
For example, manufacturing, catering, clothing, jewelry and other websites can find the boss's phone number.
3. Community websites
For example, Baidu Post Bar, Xici, Tianya Community, Netease Forum, and well-known local forums. These websites have a large number of local users and can advertise on them!
4.QQ group loan officers can search keywords to enter various industry groups, but you should change your QQ information when applying to join the group. Don't let people know that you are a loan officer. Don't rush to advertise before you go in, say familiarity first, and then introduce the topic into your own industry!
5. WeChat group
Add more WeChat groups, car exchange groups, real estate exchange groups, stock exchange groups, etc.
Second, offline contact with loan customers.
1, sweep the street
Scan along the commercial street, see the copied store number, or shoot it directly with your mobile phone, you can call, add WeChat or send a group message!
2. Manage the professional market
There are many professional markets, such as clothing wholesale market, cosmetics wholesale market, leather wholesale market, grain and oil wholesale market, agricultural products wholesale market, building materials market, auto parts market, electronic market and so on. Direct Baidu search can find the address. For these wholesale markets, you can send them directly, or you can take your business card back and make a phone call.
3. Develop chambers of commerce or trade associations.
This is a bit difficult, not all loan officers can do it, but the rate of return is really the highest, because they are all boss-level. I suggest that it is best to get an association first and let him bring himself into this circle. Don't be eager for quick success, first help everyone popularize some professional knowledge and establish their own professional prestige. In the future, they will definitely come to you if they need it, and they are more likely to recommend it. There are many such associations, such as Shanghai Chamber of Commerce and Wenzhou Chamber of Commerce. There are also some trade associations, such as real estate associations and electronic associations.
Third, channel acquisition.
1, bank channel
The quality of customers in the bank channel is high, because the customers abandoned by the bank are our customers, so it is very simple to get rid of the bank credit manager and know the credit manager. Just tell him that you have customers who need to apply for loans in their banks, and introduce them more, and he will naturally remember you. How many times does he eat it? It's basically fine! Remember to turn in the key first!
And the lobby manager and security guard. Don't underestimate the security guard and lobby manager. They usually contact a lot of loan customers and their income is not high. Many lobby managers are outsourced. As long as our loan officer clearly expresses his willingness to cooperate!
2. Peer to peer channels
There are many peers, such as small loan companies, investment companies and guarantee companies. , you can join various peer groups for development. One thing to note is that the quality of customers in general peers is not good, so ask more questions after meeting customers, understand the situation clearly, and engage in several overdue customers.
3. Real estate agent
The client assets of real estate agents are relatively high. People who buy houses are generally rich, while those who rent offices are generally in business, so they should cooperate with real estate agents more.
4. Insurance companies
Insurance companies usually hold early meetings in the morning. When they finish the early meeting, they will get to know them. Their customers are of good quality. If they introduce you, the trust will be much higher!
Loans are not easy, and loan officers are even more difficult. Even if we are not a big shot, we can spell out a sky by ourselves. Please * * * encourage loan officers!
How to find customers who need loans?
How to quickly find customers who need loans is as follows:
There are many ways to find loan customers, the most common one is telemarketing, calling the intended customers and asking them to borrow money through sales talks;
You can print the loan product leaflets to areas with large passenger flow, such as residential quarters or the entrance of shopping malls and office buildings. Interested customers can introduce them in detail on the spot and leave their contact numbers.
You can also choose to print parking cards in parking lots and other places and insert them in the car, so that ordinary car owners will leave their cards.
After adding friends, you should avoid heavy responsibilities and gently tell him what your answer file is for. If necessary, it is best. Don't say anything if it's not necessary. Getting customers to keep you in a circle of friends is success. These potential customers can be maintained in different follow-up ways in the future.
One is to go to those related official WeChat accounts and join their official groups. There are fewer people in this group who really have money at their own expense, and they like to have more money, so they have great potential. The second way is to find people who like these things in your circle of friends and ask them to help you join the group. What you have to do after joining the group is to stay active. This group respects and loves two kinds of people, those who are knowledgeable in the circle and those who love to give out red envelopes. Be sure to do some basic skills to make people feel profound, so as to increase others' trust in you, so that many people will add you as friends. In the final analysis, red envelopes are only an auxiliary means to enhance the sense of existence and the right to speak.
This concludes the introduction of how to find car loan customers and how to find customers in the early stage of car loan sales. I wonder if you have found the information you need?