Strong professional knowledge and business skills.

In the process of handling credit business, we must firmly grasp the following five points.

1 Audit license,

2 Choose the correct text,

3 fill in the contents,

4 hold a signature,

5 straighten out the procedures.

First, a wealth of relevant knowledge

A qualified loan officer should not only have proficient professional theories and knowledge, but also have rich relevant knowledge, which is more conducive to the smooth development of credit work.

2. You should have interpersonal skills.

Have a keen intuition and understanding of customers' personality, emotions and needs. Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises.

Three. Ability to observe and judge

Refers to the ability to observe customer quality through customer behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the personality and character of customers.

Four. stress tolerance

Small business loan officers are under great pressure of performance, so they need to maintain a good positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people.

Step 5: Have brains.

Loan officers should have a certain mind and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.

Bank loan related knowledge

Hello, generally speaking, the basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

If you need money urgently, you can also consider online lending. I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

Loan knowledge (dry goods)

Many ordinary people are embarrassed to ask questions everywhere because they have little contact with loans, and it is inevitable that they will easily step on some pits. Today, I will give you some basic loan knowledge, so that when there is a loan demand, you will not come for nothing, step on the pit less and spend less money.

First, let's understand what a loan is.

A loan is an act that you or your enterprise apply for funds from the management. Here, you or your business is the borrower. What is the employer?

Generally speaking, management is divided into two categories: 1 and banks.

There are three types of banks: the first and fourth types (Bank of China, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank) and the sixth types (Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Postal Bank and Bank of Communications). The four banks are all state-owned, with the strongest strength and the strongest storage capacity, so the capital cost is also the lowest, so when lending.

Second, commercial banks, such as Guangfa Bank, Ping An Bank, Shanghai Pudong Development Bank and Minsheng Bank, are all commercial banks. The financial strength of commercial banks is also very strong, basically all over the country, and the loan interest often changes.

Third, then there are local banks, that is, banks with local consortia as the main shareholders and local bank names will often become local banks, and local banks will often have some loan schemes for local people. Of course, local banks don't necessarily only do business locally.

2. Institutional loan companies (such as companies with loan qualifications officially approved by the state and consumer finance companies)

Company eligible for loans may include:

Companies: Ping An Pratt & Whitney, CreditEase and other national companies ... Consumer finance companies: BOC Consumer Finance, Jincheng Consumer, etc. There are also some pawn shops that are barely qualified to lend.

Loan qualification is a kind of qualification with high threshold. Don't trust others to have loan qualification.

The forms of loans can be divided into two types:

First, offline: it is your loan process, and there are some links that need to be carried out offline, such as signing contracts and inspecting goods;

Second, online: your loan information and process are all done online (for example, on your mobile phone).

There are many types of loan products, such as:

One: Credit loan. It is a pure credit loan based on your credit data, including: past records, sources of income, possibility of default, liabilities, etc.

Second: mortgage loan. It is to mortgage your valuable (generally open circulation) assets and get a loan with a certain proportion of collateral. For example, if your house is worth 1 10,000, you can get a mortgage of 700,000.

Common loan products can also be subdivided as follows:

1, salary loan, mainly based on personal punching salary income.

2. Real estate mortgage can be divided into a mortgage or a secondary mortgage (for example, you have a mortgaged house).

3. Car owners: car owners' loans (credit loans, but high requirements for personal credit liabilities), mortgage loans, that is, mortgage loans.

4. Corporate: tax loans, invoice loans, equipment mortgage loans, etc.

5. There are credit loans for homeowners, such as decoration loans, owner loans and monthly loans.

6. Policy loans. Apply for a loan with a policy.

What are the general terms of the loan?

Generally need you:

1. assets: mainly customers' houses, cars and enterprise assets;

2, repayment ability: mainly income, so be sure to ask the customer's source of income, such as wages and corporate receivables. Most importantly, debt.

3. Default risk: This piece mainly depends on the customer's past credit information and family relationship.

4. Other conditions: customer's work, education, big data, etc.

The better the conditions, the more products and the lower the interest.

What is the process of loan?

1. Choose the corresponding employer and its products according to your own conditions and needs. For example, if you have a house, you just got a mortgage loan. Go to the most suitable bank and ask what information you need.

2. Prepare relevant materials for the employer's review according to the employer's requirements. Let's focus here. It doesn't mean that you can simply go to the bank for a loan with a real estate license if you have a house. The bank will give you a business loan. Need to submit business license, loan purposes and other information.

What are the general fees for loans?

Going directly to the bank has basically no other costs except interest, and a small number of them have small insurance fees.

If you find an intermediary service, there is an intermediary fee. People who say all kinds of risky deposits and bank interest in advance should be careful.

There is a small guarantee fee for finding a guarantee company, but it should be noted here that only formal guarantee institutions are eligible to charge the guarantee fee.

What are the general scams of loans?

Online loan fraud is the most, and it has reached a very rampant level, so it must be noted that those who collect money in advance are liars! Anyone who says your account number is wrong is a liar! Those who say that you need material fees for successful misappropriation are all liars!

There is also an extraordinary loan with the nature of underworld hooligans. You should call the police at the first time.

Violent collection is also illegal, so remember to call the police for help.

Be especially wary of false and exaggerated advertisements like Tik Tok and Baidu!

What if the loan is cheated?

Call the police at the first time and keep the evidence.

Tips:

1. In fact, loans can only be made under very high conditions, because no one dares or is willing to lend money to people who may be unable to repay it, and the state has repeatedly asked for debt control.

Anyone who says that he doesn't look at credit information and white household packaging must believe less, not only losing money, but also facing the criminal risk of fraudulent loans. You should also pay more attention to the loan service personnel you usually meet and study his WeChat circle of friends. Regular companies have names and surnames.

2. Loan is not everything. No one can expect to get rich with loans, let alone make ends meet. Loans have costs, so be wary of exceeding loan consumption.

3, the loan is definitely not based on mobile phone number, ID card and credit score of 600 points!

4. Never order online loans yourself. If you order too much, it will be difficult to apply for a bank loan. The most correct way is to spend more time visiting several banks, or find a formal loan intermediary company with reasonable fees (try to find a bigger one with a longer operation time).