1 high-end personal user traffic import
If we can import from the existing mature high-end customers, we can not only find customers effectively, but also roughly judge the operation of this enterprise from the running water and credit information of customers.
Through commercial organizations such as the Chamber of Commerce.
Organize or participate in the activities of some chambers of commerce regularly to find customers from the members of their chambers of commerce. The advantage of this practice is high efficiency, because the members of the chamber of commerce are often from the same industry or region, and they know each other better, from which they can get a general understanding of the business situation of the target. At the same time, many people who come to participate in the activities of banks and chambers of commerce are users who are willing to lend money, which can avoid futility.
3 existing inventory customer referral
It is to introduce existing credit customers through their partners, friends and other relationships, so as to intervene in potential willing customers. The advantage of this method is high efficiency, and the introduction is often willing. Moreover, considering the cooperative relationship, partners with goods are generally more reliable (for example, in their own downstream, who will pay the bill if you can't get the money back).
4. Highly concentrated market
For example, the wholesale market, which is similar to the previous chamber of commerce, is to go to large wholesale markets to develop users in batches. The advantages are high efficiency, batch development of existing customers and convenient approval.
5 Supply chain financing development
Develop its upstream and downstream customers through enterprises. For example, if there is a small manufacturing plant, there must be upstream suppliers and downstream sellers. Through the derived ERP data, a relatively accurate sales data model can be established for upstream suppliers and downstream distributors. Through this core enterprise, we can not only develop customers, but also effectively verify the sales amount.
6. Through the introduction of other financial institutions.
For example, some guarantee companies are not qualified for loans themselves, so sometimes they will introduce customers to cooperative banks. Therefore, we should maintain good relations with some powerful guarantee company marketing personnel.
7 other methods
For example, through the endorsement chain of bank acceptance bills, and so on.
Looking for customers who need loans can actually combine traditional methods with popular methods, as follows:
The traditional ways are:
Entrust others to find
If you want to know how to find customers who need loans, you can entrust others to find them. Generally speaking, loan officers can save a lot of time by entrusting others to collect customer resources for themselves in their own business fields or customer groups.
Old customers introduce new customers.
Loan officers will have a certain customer base if they run more business. If he has a good relationship with old customers, old customers will naturally bring potential customer resources to themselves. Of course, the premise of this is that loan sales are trusted by old customers, and many loan sales are looking for customer resources in this way.
Emerging ways are:
Third party platform
Weibo, WeChat and other new media spread.
New media such as Weibo or WeChat have the widest audience. Loan officers can introduce their products to users through them, improve the exposure of products, and also show their professional ability well.
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.
How can I find someone who wants a quick loan?
In recent days, a question "How can I find someone who wants a quick loan?" This problem has become a hot topic. Let me give you my opinion. How can I find someone who wants a quick loan? Where there is a shortage of money, there will be people asking for quick loans. First, it should be the place with the greatest demand. This place is a casino. I believe that most people here need quick loans. The second is the stock market. There are also many people who want to turn over in the stock market through loans. There are many people here who need loans. Third, enterprises. Enterprises are the bulk of loans, and some enterprises need capital turnover and so on, so they need loans. So what is the specific situation? Let me share my opinion with you.
I. Casino
First, it should be the place with the greatest demand. This place is a casino. I believe that most people here need quick loans. Everyone believes that the next one will definitely win back. That's what I thought when I called 2 1. As long as you are willing to lend me money, I will definitely pay you back twice. Therefore, there must be a great demand for casinos.
Two. stock market
The second is the stock market. There are also many people who want to turn over in the stock market through loans. There are many people here who need loans. After losing money, many people will see a good opportunity and want to expand directly, and borrow1800,000 to earn back all the previous losses. So the market here is also relatively large.
Three. enterprise
Third, enterprises. Enterprises are the bulk of loans, and some enterprises need capital turnover and so on, so they need loans. Many enterprises are facing bankruptcy, and no one is willing to give money, so if you lend him some money, he will definitely thank you very much.
Remember to like it after reading it, and pay attention to the collection.
How to find the loan list?
It is indeed a problem for loan marketers to find customers. The more loan lists they find, the more potential customers they get after screening. Therefore, how to find the loan list is the premise of marketing work. First of all, every institution, whether it is a bank or a small loan company, will have its own company website, and the website will also have the details of each loan type. Customers may apply directly on the website after learning about it. And these intended customers who apply on the website can be counted as loan lists. Because they apply on their own initiative, they must be intended customers. In addition, you can also find the customer list through telemarketing, pushing and sending.
Finding the list of loan customers is the focus of marketing work.
Many merchants in shopping malls sell goods in kind, while loan companies sell their own types of loans. Whoever has a fixed job, a house and a car can become a qualified applicant for a loan company. How to find interested customers among these people is the job of sales staff. They can find interested customers in some office buildings, they can also find customers through telephone sales through huge network data, and they can also attract customers by advertising through various marketing means.
Who may be the candidate on the loan list?
Not everyone meets the loan application conditions, so it is impossible for some people to enter the loan list. First of all, people who work in hospitals, schools and other enterprises and institutions must have credit and a stable income, and they can advertise in these places to find interested customers. Secondly, there are some groups with stable jobs and high incomes in high-end office buildings. They may also have loan needs and be able to repay on time, so they can find qualified candidates here. Some people who don't have a stable job but have a house and a car also meet the loan application conditions and may become interested customers.
In addition to finding the customer list through push and telemarketing, you can also find new customers from the recommendations of old customers.
How to find customer resources that need loans online?
1. It is also the easiest to release information through 58 cities, so that customers in need can come to you.
2. Add some qq-related groups and publish information.
A sentence was sent by predecessors before, you have to have strong connections in the financial and commercial industries. If you don't have it, you must have strong skills. If you don't have it, you must have strong diligence. If you don't have it, you will have nothing. * * * Encourage
How to find high-quality customers who need loans?
Before it's too late, get down to business!
First of all, small enterprises are generally characterized by relatively small production scale, large quantity and wide distribution, which are often absolutely controlled by actual controllers. According to this feature, there are mainly the following ways:
1, high-end personal user traffic import, many banks that can operate high-end for a long time, such as China Merchants Bank and China Construction Bank, often use this method. The advantage is that some high-end customers are often the actual controllers of the enterprise itself and have a greater say in the financing operators of the enterprise. If it can be imported from the existing mature high-end customers, it can not only effectively find customers, but also roughly judge the business situation of this enterprise from the credit information flow of customers. The disadvantage is that only banks with certain accumulation can do it.
2. Organize or participate in the activities of some chambers of commerce on a regular basis through commercial organizations such as chambers of commerce to find customers from their members. The advantage of this method is high efficiency, because the members of the chamber of commerce are often in the same industry or region, and they know each other better, from which they can roughly understand the business situation of the object. At the same time, many people who come to participate in the activities of banks and chambers of commerce are users who are willing to lend money, which can avoid futility. The disadvantage is that due to the above-mentioned same industry or region, when the economy goes down, it often forms systematic risks (see Ningde Chamber of Commerce, Jiangsu and Zhejiang Steel Trade, etc. )
3. Introduction of existing customers, that is, through the introduction of existing credit customers' partners, friends and other relationships, so as to intervene in potential willing customers. The advantage of this method is high efficiency. For the same reason as above, introductions are usually made with some intention. Moreover, considering your cooperative relationship, the existing partners are generally more reliable (such as their own downstream, who will pay the bill if you can't get the money back). The disadvantage is that you rely more on contacts, in other words, you rely more on your existing credit resources and your interpersonal relationships.
4. Highly concentrated markets, such as wholesale markets. This is similar to the previous chamber of commerce, which is to go to large wholesale markets to develop users in batches. The advantages are high efficiency, batch development of existing customers and convenient examination and approval. Disadvantages as above. The decline of the industry will lead to systemic risks, and it is suggested that weak cycle markets (such as food, clothing, medicine, etc.) should be chosen for such development. ) and avoid strong cycles (such as steel).
5. Supply chain financing development, through the core enterprise, develop its upstream and downstream customers, such as a large automobile factory, which must have many upstream suppliers and downstream manufacturers. Through the derived ERP data, a relatively accurate sales data model can be established for upstream suppliers and downstream distributors. Through this core enterprise, you can not only develop customers, but also effectively verify the sales amount, which in a sense solves the biggest problem of financing for small and medium-sized enterprises-unable to effectively verify. People's livelihood and peace were vigorously promoting this model before. The disadvantage is that high-quality core enterprises are generally strong, and it is impossible for you to set foot in its ERP without enough credit concessions. Moreover, there is a potential hidden danger. Core enterprises generally have strong transactions and long account periods. If the upstream enterprises rely too much on the core enterprises, it is very unfavorable.
6. Through the recommendation of other financial institutions, such as some guarantee companies, they are not eligible for loans themselves, so they sometimes introduce customers to cooperative banks. Therefore, we should maintain good relations with some powerful guarantee company marketing personnel.
7. At present, the most commonly used thing in the credit industry is to find customers online. There are many benefits, such as not wasting personal time running around where the customer base is not clear. Looking for customers online can't be accurate, but customers are interested and demanding. For example, Taobao, which has a better user experience now, is to provide customers' apps to credit managers. No matter where you are, you can match customers according to your location, or grab orders yourself. At the same time, provide a digression (it is not appropriate to withdraw the order) (the customer service is also very powerful). You may want to keep up with the current trend and expand your customer base.
8, some other methods, such as through the endorsement chain of bank acceptance bills, etc., will not be said.
Generally speaking, large enterprises do asset business in order to make good debts, because small and medium-sized enterprises often have less deposits and need large enterprises to feed back. However, new account managers may have few opportunities to directly contact large enterprises. After the general leader talks about it on the wine table, you can do the specific operation work directly.
Finally, I want to say that sweeping the building, making money and paying customers are very effective methods in the retail field, but they are not effective in the credit field, because in the retail field, you are facing an individual who can make decisions as long as you make marketing, while in the credit field, you can only contact the doorman and accountant. How does he make a decision? Moreover, this is also relatively low. Are you willing to contact the credit officers or partners introduced to you at the business reception, or are you willing to contact people scattered on the street? The development of channels is far more important than personal efforts.