Responsible for collecting new customer information through network channels and developing new customers;
Communicate effectively with customers by telephone to understand their advertising needs and seek sales cooperation opportunities;
Maintain cooperative customer relationship, deeply develop customer resources and expand new customers;
Analyze customer needs, summarize the characteristics and laws of the market and industry, and provide customers with ...
How to develop channels
Question 1: How do loan salesmen develop customers through channels?
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 get to the channel? 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 in a local bank?
Application conditions:
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.
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. Do you want a channel? 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 an agent, ask many channels to buy a document. There are many channels to represent you.
Question 7: What kind of channel is better? Yes, I used Le Yi Ai Feng bag, and the operation is very simple.
Question 8: How to develop 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 called "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 company find a customer? 10 integral, target customer group selection
The company's target customer groups 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 company's choice of service objects, and it is also the process that the company chooses customers according to its own advantages and disadvantages, meets customer needs and makes customers become its loyal partners. Taking low-and middle-income people as the group has always been the business and service orientation advocated and adhered to by the company, including farmers and herdsmen, individual industrial and commercial households and small and micro enterprises.
1. Reference conditions for corporate personal loan customers 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 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, the company can also use other platforms to expand its business chain 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 the company
(1) The business scope stipulated in the current pilot policy
Under the current pilot policy framework, local regulatory authorities have different regulations on the company's business scope. However, it basically does not absorb public deposits, discount bills, and related consulting activities and other approved businesses.
(2) General loan business
Loan business refers to a way of using the company's own funds in the form of monetary funds to lend to customers at a certain loan interest rate 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, the company 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? If it is a p2p company, don't consider it. The state explicitly prohibits p2p financial 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.
How to represent the company
It is suggested to apply for loans through formal channels: for example, Agricultural Bank of China (ABC), the definition of Netjet loan refers to the small consumer loans granted by ABC to individual customers who meet certain conditions in cash, and the customers apply for them themselves, receive them quickly, automatically approve them, and use their own letters. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.
The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Bank loans are also handled by intermediaries?
Hello, loan intermediaries are organizations and individuals that provide you with loan services. They will choose the right loan channel according to your qualifications and charge a certain fee. However, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
Want to represent a loan channel?
There are many channels and ways about loans.
However, as we all know, you have to submit your identity information for a loan, so as long as the identity information you submit has no "record of dishonesty" or "record of serious dishonesty", then your loan is no problem.
About online lending
1. Ant Financial Services
Features: Strong brand strength; High quota; Relying on Alipay; The platform has strong comprehensive strength;
2.JD.COM gold bars
JD.COM gold bar service is equivalent to Ali's lending service, and it is a member of China Ping An Insurance (Group) Co., Ltd. lufax's business model is a combination of online and offline, with financing customers offline and investment customers online.
3. Wan Li Finance
Features: many kinds, reasonable interest and high efficiency;
4. Microfinance network
Features: low rate, fast loan;
Step 5 rent a shot
Features: zero guarantee, high quota and low interest;
6. Which net do you vote for?
Features: high quota, fast arrival;