Spread out completely
If you have a local branch of China Merchants Bank and meet the loan conditions, you can try to apply to our bank. The application requirements and conditions of various loan types are different. First of all, look at the purpose of your loan. Our loans are issued for specific loan purposes (such as buying a house, buying a car, operating, studying abroad, etc.). ), and when applying for a loan, you must provide relevant supporting materials according to the "loan purpose". Due to the different types of loans provided by branches, it is suggested that you log in to the homepage of China Merchants Bank first, click "Online Customer Service" in the upper right corner, and select manual entry. After providing the opening city and loan purpose of the one-card account, you can check whether the local branch has the loan type, application conditions and materials you need to provide.
Second, how to promote the loan business.
First, the introduction of new loan regulations, publicity should be in place. For example, since the implementation of the "new regulations" of 20 10 loan, the loan management of rural credit cooperatives has been further standardized, and the issuance of loans has paid more attention to standardization and policy from the operational process. At the same time, the collection and arrangement of loan information suddenly became complicated, which led to insufficient preparation of some customer information and made it difficult to meet the standard requirements. The efficiency and success rate of credit cooperatives in handling loans are reduced, and the coordination is poor, mainly because the publicity of the "new regulations" by credit cooperatives is not in place, resulting in the poor implementation of the "new regulations" by credit cooperatives.
Second, marketers improve their professional quality. Marketers should avoid the lack of positive marketing ideas and long-term planning. Credit professional knowledge is obviously lacking, and the level of loan risk management and control is not high. The account manager "shouldered the heavy burden" and the new loan regulations were not communicated in place.
Third, marketing awareness. Credit officers and loan examiners should not worry too much about the dishonesty of borrowers, for they will have serious "fear of loans" and "fear of loans" when issuing loans, and lack the consciousness of active marketing.
Fourth, the development of competitive banks and postal savings banks has caused losses in supporting agriculture, rural areas and small and medium-sized enterprises. Commercial banks use resources suitable for county enterprises. ...
Third, how do company salesmen find customers?
The customer base of the company is actually very clear. Because of the limit, basically both corporate customers and high-net-worth customers can go there. Because the money you lend to others is not necessarily higher than a large credit card. Basically, the target customers can be summarized as follows: 1, white-collar middle class in big cities, with a medium income, but life in big cities is not easy to be stressful. Credit business may be needed for reasons such as life and entrepreneurship. 2. Wholesalers in small and medium-sized cities, such customers operate all the year round, have big business, have accounts outside all the year round, and have triangular debts and the like. In order to run their business, they will borrow money in the peak season to ease the pressure of production. 3. Rural farmers or large grain companies, now China strongly supports the business of agriculture, countryside and farmers, and there is a great demand for credit business in the transitional period. Therefore,
Fourth, how to promote the loan industry?
Promotion methods of loan industry:
1, go to the shops on the street first;
2. WeChat sends a message to a circle of friends or sends a message to a group in need;
3, printed business cards, leaflets, distributed in densely populated streets;
4. Make a time plan according to your own characteristics (time and specialty).