1 high-end personal user traffic import

If we can import from the existing mature high-end customers, we can not only find customers effectively, but also roughly judge the operation of this enterprise from the running water and credit information of customers.

Through commercial organizations such as the Chamber of Commerce.

Organize or participate in the activities of some chambers of commerce regularly to find customers from the members of their chambers of commerce. The advantage of this practice is high efficiency, because the members of the chamber of commerce are often from the same industry or region, and they know each other better, from which they can get a general understanding of the business situation of the target. At the same time, many people who come to participate in the activities of banks and chambers of commerce are users who are willing to lend money, which can avoid futility.

3 existing inventory customer referral

It is to introduce existing credit customers through their partners, friends and other relationships, so as to intervene in potential willing customers. The advantage of this method is high efficiency, and the introduction is often willing. Moreover, considering the cooperative relationship, partners with goods are generally more reliable (for example, in their own downstream, who will pay the bill if you can't get the money back).

4. Highly concentrated market

For example, the wholesale market, which is similar to the previous chamber of commerce, is to go to large wholesale markets to develop users in batches. The advantages are high efficiency, batch development of existing customers and convenient approval.

5 Supply chain financing development

Develop its upstream and downstream customers through enterprises. For example, if there is a small manufacturing plant, there must be upstream suppliers and downstream sellers. Through the derived ERP data, a relatively accurate sales data model can be established for upstream suppliers and downstream distributors. Through this core enterprise, we can not only develop customers, but also effectively verify the sales amount.

6. Through the introduction of other financial institutions.

For example, some guarantee companies are not qualified for loans themselves, so sometimes they will introduce customers to cooperative banks. Therefore, we should maintain good relations with some powerful guarantee company marketing personnel.

7 other methods

For example, through the endorsement chain of bank acceptance bills, and so on.

Looking for customers who need loans can actually combine traditional methods with popular methods, as follows:

The traditional ways are:

Entrust others to find

If you want to know how to find customers who need loans, you can entrust others to find them. Generally speaking, loan officers can save a lot of time by entrusting others to collect customer resources for themselves in their own business fields or customer groups.

Old customers introduce new customers.

Loan officers will have a certain customer base if they run more business. If he has a good relationship with old customers, old customers will naturally bring potential customer resources to themselves. Of course, the premise of this is that loan sales are trusted by old customers, and many loan sales are looking for customer resources in this way.

Emerging ways are:

Third party platform

Weibo, WeChat and other new media spread.

New media such as Weibo or WeChat have the widest audience. Loan officers can introduce their products to users through them, improve the exposure of products, and also show their professional ability well.

Who needs it?

Although it looks small, the amount is not necessarily small. Often when money is badly needed, formal existence solves many problems. Usually, possible demanders include these people:

Small and micro business owners and individual industrial and commercial households. Such people are easily refused loans by banks. Banks sometimes dislike not only small scale, but also instability, so it is often difficult to succeed in lending, and the bank loan threshold is high, which is difficult for many self-employed enterprises to achieve. This is also a very important reason.

Personal consumption. This situation is becoming more and more obvious now, because many people's consumption concept has changed to buy first and then pay back, and the money bought first needs to be borrowed from somewhere. It won't be too embarrassing to borrow from friends, and it won't be too troublesome to borrow from banks because there are too many rules and regulations. Therefore, applying for a company has become the best choice.

Early entrepreneurs. Don't think that these people will be taken care of by the bank. In fact, they are the most needy group. After all, not every entrepreneur meets the qualification requirements of venture loan, so venture loan is their lifeline.

Why do rich people need loans?

Actually, cash and assets are two different things. A rich man doesn't mean that he is rich in cash. Cash is only a part of his assets. Many rich people have a lot of assets, but lack cash flow, so the richer they are, the closer they are to financial institutions such as banks. The most direct way to get a lot of money in the bank is to borrow money.

Why rich people have money is because they know how to use their own money to produce more money. Usually these rich people are mainly engaged in business, so once business is involved, expansion is essential. Generally speaking, they do big business, and their own money is never enough. To expand their business scale, they must rely on the support of bank loans, and only the rich can easily get loans from banks. They have various companies or assets as collateral. With the support of banks, they will make money, make profits and keep circulating.

What kind of people need loans?

The following two types of people are suitable:

1, income. If you have a fixed work unit and your income is stable, you must pay social security, provident fund and individual tax regularly.

2. Good credit. If your credit report has a good record, there are not too many inquiries, too many credit records, no overdue breach of contract, no guarantee compensation and other bad records.

In short, if your income is stable, your credit is good, and you need money badly and the amount is not large, you can choose a personal credit loan.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.