How to be a small loan company?

What does a credit specialist of a small loan company do and how to do it?

Not necessarily, the company does not necessarily do this for different positions. Generally speaking, there are several roles: the loan officer-mainly accepting loan applications, investigating, verifying, filling in information and submitting them to the superior for approval, and the credit manager (without any other name)-is responsible for approving loans, signing contracts, and managing the work of loan officers, loan issuers and loan recovery personnel (hehe, if you don't pay back, you will have to pay back your debts)! That's about it. Those with more hands can have a clear division of labor, and those with less hands can have multiple jobs!

How is the development of small loan companies?

At present, small loan companies are developing very well. I have been in small loan companies and intermediary companies, and I know them better. The industry of small loan companies is relatively standardized, but there are also problems. After all, it is an emerging industry, facing the process of standardization. The target customers are small and micro enterprises and individual financial investment guarantees. The financing problem of small and medium-sized enterprises needs to be solved urgently, so small loan companies are more promising industries. Wealth gas station

How to find customers as a salesman in a small loan company? 10 point

First, the choice of target customer groups

The target customer groups of microfinance companies 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 choice of service objects for microfinance companies, and it is also the process for microfinance companies to choose customers according to their own advantages and disadvantages, meet customer needs and make customers become their loyal partners. Taking low-and middle-income people as the group has always been the business and service orientation advocated and adhered to by microfinance companies, including farmers and herdsmen, individual industrial and commercial households and small and micro enterprises.

1. Reference conditions for personal loan customers of microfinance companies 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 of microfinance companies 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, microfinance companies can also use other platforms to expand their business chains 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 microfinance companies

(1) The business scope stipulated in the current pilot policy

Under the current pilot policy framework, local regulatory authorities have different provisions on the business scope of microfinance companies. However, it basically does not absorb public deposits, handle small loans, discount bills, and related consulting activities and other approved businesses.

(2) General loan business

Loan business refers to a way in which small loan companies lend their own funds to customers at a certain loan interest rate in the form of monetary funds 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, microfinance companies can also carry out some intermediary business within the permitted business scope. However, in the actual operation process, the intermediate business is basically blank.

Want to be a small loan company 30 points

Hehe, individuals don't need to go through banks to issue small loans, because this is your own private lending behavior. If you have spare money and your friends need money, you can simply borrow it from you. As long as you draw up a loan contract or agreement and stipulate the interest, term and purpose, you can collect interest! Of course, if your friends don't pay attention to credibility, your money will be a little troublesome, but you can't handle entrusted loans through banks, because only units can handle entrusted loans, that is, lenders use their own money to entrust banks to issue loans to borrowers, and banks supervise them. So, find your own customers! Just grasp the risks.

Is it risky to be a salesman in a small loan company? What is the salary and prospect?

At present, the network is an important promotion method for loan officers. There are various loan platforms that can release loan products or settle in, such as financing 360 and accelerating loans. Accelerated loan is the lowest price at present. You can compare more and choose according to your own economic situation. Good luck!

How to do the accounts of small loan companies?

To implement the accounting system for financial enterprises or accounting standards for enterprises, it is necessary to follow the selected system, and it is best to implement the standards.

How to judge whether a small loan company is legal?

Small amount is usury. How much do you want?

What should microfinance companies do?

First of all, you should make clear who needs loans, such as micro-business owners and young white-collar workers, and then combine the company's product characteristics, such as the information required by customers, and then visit those specific people. For example, streets, markets and other places where micro-enterprises are concentrated do publicity.

Secondly, we can seek more cooperation from peers. Many customers have different product designs according to different companies. They can't get loans there, but they can get loans here.

Thirdly, in fact, there are a lot of information needed to issue loans on the website, which you can get in your spare time.

Talk about placing publicity pages in shops, restaurants, markets and other places that can match the flow of people.

How about working in a microfinance company?

You can apply at the local bank.

Conditions for applying for small loans:

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.

Microfinance processing flow:

1. Submit an application to a local bank or lending institution;