1. Telemarketing. Learn as much as possible about products, customers with spouses, and visit enterprises.
2. Introduction of acquaintances. Through intermediaries, institutions, proof of marital status and other materials, such as credit card sales staff, imagine one, where it comes from.
3. Household registration book, income certificate and customer ID card.
4. Small loan risk control personnel.
5. Offline exhibition industry
6. Online promotion
7. Offline projects
8. Bank lenders
I. Personal credit loans
Personal credit loans are RMB credit loans issued by banks and online lending platforms to customers with good credit standing without providing guarantee. When applying for personal credit loans on the online lending platform, you can generally apply directly online, and the specific handling process is subject to the requirements of the platform.
2. Bank credit loans
Bank credit loan is a bank credit loan specially issued by banks for working-class people with stable income. It is a personal credit loan for personal consumption based on their monthly salary income. No guarantee, no mortgage, your credit is the best loan pass.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and conform to the general principles of loans and bank regulations.
Conditions:
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in China; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
3. The bank's credit loan first requires the applicant to have a good credit record;
4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ;
5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;
6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
7. Provide valid certificates recognized by the lending institution, which can provide true and effective relevant information required by the bank;
8. Other conditions stipulated by bank lending institutions.
How can I 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 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.
How can loan officers find customers most effectively?
The effective ways for loan officers to find customers are as follows:
1, sweep the building or visit strangers to find customer resources;
2. Loan officers should segment the market according to industry or other screening conditions, list customers, implement list sales and find customer resources;
3. If you have to, you need to rely on parents, relatives, friends and other relationships to solve economic problems for people around you;
4. Join the free loan information website. You can check the website effect for free first, and generally charge;
5, you can consider the way of sweeping and setting up stalls, whether it is not particularly recommended and can be used in the early stage;
6. Try to help customers win preferential policies, improve work efficiency and create a good reputation, especially for corporate customers.
Job responsibilities of loan officers
1. Announce the types, term, interest rate and conditions of operating loans and provide consulting services;
2. Guide to fill in the loan application form and help to handle the loan application and other businesses;
3. Assist relevant personnel and departments to evaluate the borrower's credit rating;
4. Investigate the borrower's legality and other factors, verify the collateral, pledge and guarantor, and determine the loan risk;
5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;
6. Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time.