At present, banks do not lack loan customers, but high-quality big customers. There are many people who apply for loans from the bank now, and everyone is waiting in line, so the bank is not short of customers at all, and there is no need to take the initiative to call for marketing. And for some small and micro enterprise customers and individual customers, many banks will outsource marketing tasks to some intermediary companies.
Outsourcing the marketing work of small customers to some intermediary companies has several advantages for banks. On the one hand, it can reduce the marketing cost of banks and improve the efficiency of bank credit. On the other hand, it can respond to policy requirements and give loans to small and micro enterprises. In addition, some bankers can get some money from the intermediary.
Of course, for some high-quality big customers, banks will take the initiative to market, because everyone is competing. These big customers have several small customers. The key is that these big customers are generally of high quality, low risk and good relationship. They can also pull the deposits of large enterprises to the bank. After getting a few big customers, we can almost support half of the bank.
So the attitude of banks towards big customers is completely different. Many banks not only call big customers, but also often come to do marketing.
And we ordinary people received some calls claiming to be bank loans, most of which were made by intermediaries. They usually have a cooperative relationship with the bank, and then do marketing directly in the name of the bank. In fact, this is illegal, but the cost of violation is too low, and no one will pursue it, so the intermediary goes to the office to do marketing in the name of the bank.
There are also some account managers of small loan companies. Because of the high interest rate, they often do marketing in the name of banks in order to reduce their customers' precautionary psychology, and then further do ideological work.