I. Loan service platform
On the one hand, it continuously obtains high-quality loan products, enriches product categories and meets customers' diversified loan needs; On the other hand, it connects all kinds of loan intermediary practitioners, and realizes the direct connection between loan customers and banks through the system platform, which is convenient and fast for online operation. Let customers enjoy the bank's financial services anytime and anywhere, and improve customer satisfaction and stickiness.
Second, establish online contact.
Financial institutions make their business and products online, establish and extend the connection relationship through digital systems or API and SDK, expand the breadth and depth of the connection, increase the channels and scenarios for acquiring customers, and digitize the service and marketing process.
Third, the consumption scene
Consumer finance is the credit product that most depends on consumption scenarios, including food, clothing, housing, education, medical care and so on. Financial institutions can effectively acquire customers by virtue of the advantages of scene and digitalization. Integrating financial technology into traditional finance has brought opportunities and become one of the main areas in which financial institutions embrace financial technology. By building a business system group with micro-credit management system, payment platform system and credit information system as the core, supported by financial technology, and by means of dynamic integration of consumer finance and scenarios, business risks can be prevented and controlled, operating costs can be reduced, and customer service and experience can be improved.
Fourth, operator big data.
1, the high-quality customer acquisition method ensures the source of traffic. With the development of Internet and mobile intelligent terminals, people's basic living security can be solved online.
2. Obtain low-qualified and high-quality consumers, and use the precise delivery method of short messages to improve the intention rate of potential customers, reduce advertising expenses and improve the conversion rate.
How can credit find customers who need loans?
The most common ways for credit to find loan customers are as follows:
1, network platform to obtain resources: In the era of highly developed Internet, credit managers need to open up network channels to find customers. At present, there are many online platforms that can help credit managers find customers, and users can choose the platform that suits them.
2. Social media to find customers: Credit managers can promote their loan products and show their professional level through social media such as QQ and WeChat. With the accumulation of time, everyone can cultivate a group of their own old customers.
3. Set up a stall: Setting up a stall in a crowded place is a traditional way for credit managers to show their business. Although it is hard to set up a stall, the credit manager can communicate directly with customers face to face, get detailed information of customers and understand their specific needs.
I am in the loan business. What channel is better to find customers?
1, understand the business scope of the company and fully understand the company's business in order to better communicate with customers and gain their trust;
2. Understand the structure of the company's existing sales team, and analyze your own market circle according to other people's experience and your own actual situation;
3, do a good job in goal planning, performance task decomposition, do not blindly find customers in order to find customers;
4. Understand the area of your city and find the target customers;
5. Serve every customer sincerely, don't rush for success, be down-to-earth, and do your own reputation.
Ten channels to develop new customers
1. From people you know.
One with a circle, which is the quickest way for salespeople to make friends. One of your friends doesn't need your car, but are you sure you don't need your friend? Get to know them and you will meet many people. Tell people around you what you are doing, what your goal is, gain their understanding, and you will soon find your potential customers, because people around you will help you and are willing to help you.
2. With the help of professionals.
Most enterprises will form a group of novices and experienced veterans to work together and let the veterans train novices for a period of time. This enterprise tutor system works well all over the world. Through this system, the knowledge and experience of established enterprises are recognized, which is also helpful for the cultivation of novices. Of course, you can also entrust enterprises or other enterprises to help you find customers, which requires the support of enterprises. There are many kinds of agents and they can provide many kinds of services. You should seek a suitable agent according to your own strength and needs.
3. List provided by enterprises
If you serve a company, the company will get the best performance through the details of advertising and marketing. Many enterprises provide sales staff with performance lists. In order to be an excellent business master, you need to find your own potential customers from them. In this way, even if you get nothing from the list of enterprises, you are prepared. If you are always looking for potential customers, you will encounter the least setback and make great strides.
Check the list of past customers, and you will not only get future business, but also get the business recommended by them.
4. Develop business contacts
Whether you are new to sales or not, you may be selling. Business contact is easier than social contact. With the help of contacts, you will make business contacts faster. Not only the people you know in the business world, but also the government functional management departments, associations, driver training schools, clubs and other industry organizations, which bring you a huge group of potential customers.
5. Know a salesperson like you.
You have met many people, including salespeople like you. Well-trained salespeople sent by other enterprises are familiar with the characteristics of customers. As long as they are not your competitors, they will generally make friends with you. Even if they are competitors, you can become friends and get along well with them, and you will gain a lot of experience. The other party will remember you when they visit customers. If you have a suitable customer for them, you will definitely remember him. Not to mention the extra achievements, you have a very effective business partner.
6. Look for potential customers from automobile customers.
When the old car is about to be eliminated, the salesperson who contacts the customer in time wins. Make plans early and you will achieve fruitful results. Remember to get involved as soon as possible.
Step 7 read the newspaper
Perhaps the most effective tool for finding potential customers is the newspaper you put there every day. When reading, underline all the opportunities you find. Unless you do international trade, you may like to watch the local news, business and statement pages. The part that is beneficial to most people is the part that describes the life of ordinary people. It only takes a few days to learn to read newspapers. Once you start, you will be surprised to see a lot of valuable information. Pay attention to marking and recording. Take today's newspaper, read every front page news, and tick off the statements that are of certain commercial value to you. Just like an excellent salesperson tries to contact the relevant people, keep a copy for himself, and then send a short message: "I saw you on the news, I am doing business locally, and I hope to know you." I think you may need to have a copy of the news to share with friends and family. "And attach a business card. People like to appear in the news themselves, and they like to send copies of articles to relatives and friends who are not local. By providing this small service, you can get a lot of big business.
8, understand the technical personnel of vehicle service.
Other people in the enterprise will think of you when they hear valuable information. For example, someone in the finance department knows that the bank may buy a car, which is valuable information in sales. You can arrange a visit. Develop the habit of regularly checking the service and maintenance records of enterprises. Ask the customer service department how many consultation calls your customer has made. If it is repeated, you need to pay a return visit to them. Maybe they are in the growth stage, and you can help them win new services. Try to provide services beyond those provided by ordinary salespeople, which will help you establish long-term relationships, establish credibility and get recommended business.
How to find the source of customers when lending.
1, maintain old customers, maintain the relationship with old customers through irregular return visits, and then make new customers through the introduction of old customers;
2. Expand your circle of friends through the introduction of friends;
3, self-promotion, go to some places with large traffic to send an advertisement;
4. According to Internet technology, join some communities and make some interested people in the community network.
Brief introduction of loan
In daily life, a loan means that a borrower applies for a certain amount of funds from a bank or other financial institution, and both parties agree on the repayment period and repayment principal and interest. For banks and other financial institutions, the more loans, the better for banks, which can greatly increase the interest income of banks and increase their own capital to some extent. But for the society, the more loans, the faster the market capital circulation and the faster the economic development. When faced with the problem of capital turnover, users still need to choose formal financial lending institutions, and fully consider the safety, liquidity and efficiency of funds.
How to quickly 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 leaflets of loan products to areas with large passenger flow such as residential quarters or the entrance of shopping malls and office buildings for distribution. 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, tell him your purpose lightly. 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.