Baidu knows that Post Bar, Alibaba, P2P, industry websites, forums and QQ groups are all good search platforms.
② Exchange customer resources with friends of some loan companies and financial groups.
(3) Ask the old salesman of the company, or check the cooperation unit of the company to see if there is any fish that escapes from the net.
(4) investigate the market situation in the region, first understand which units in this city are engaged in this industry, and see if they can go online and have the possibility of cooperation.
5 now wechat is a very good platform. Add more friends, send more loan information, others will think of you when they need it, and you can also search online more.
I hope it helps you! ! Hope to adopt! !
Question 2: How to make small loans? The process of formal bank handling is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including
(1) loan application approval form; (The lender shall fill in directly at the lending institution)
(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)
(3) proof of work and income;
(4) Other information required by the bank.
Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.
Question 3: What channels can I apply for micro-loans and apply at local banks?
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;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 4: I am an office worker. Is there any way to get a small loan? If you are already a user of our bank and have downloaded our mobile banking APP, you can log in to the mobile banking, home page-loan operation interface and try to see if there are any products suitable for you.
Question 5: How to broaden the marketing channels of microfinance products, or do you need to establish them yourself, online and offline, but mainly offline. The channel mainly depends on your product. If you mortgage your house, then run a real estate agent. If you have insurance, run an insurance company. Let's go
Question 6: If you want to be a small loan agent, ask many channels to buy a document. There are many channels to represent you.
Question 7: What kind of micro-credit channel is better? Yes, I used Le Yi Ai Feng bag, and the operation is very simple.
Question 8: How to develop microfinance business? Hello, here's the thing Peer communication and network broadening channels are the main methods. It depends on your shareholders' investment intentions and business advantages. Generally speaking, what small loan companies do is that banks can't accept collateral, or lenders' projects don't conform to national policies, some lenders are in a hurry to use money, and bank procedures are too slow; There are also bridge capital business and short-term turnover. However, at present, Beijing is mainly famous for its "usury" business, because money is tight. As for how to proceed, it depends on your management team's ability, contacts and social relations. Each has its own way, so we can only talk about it in detail.
Question 9: How should a salesman of a small loan company find a customer? 10 integral, target customer group selection
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.
Question 10: How to invest through small loans? If it is a p2p company, don't consider doing offline financial management. The state explicitly prohibits p2p wealth management companies from setting up offline stores. P2p is a kind of Internet finance, and advertising on the Internet is not allowed. It is suggested that online shopping is safer. In addition to online, we should also pay attention to the choice of platform.