First, the telemarketing loan is real. In fact, telemarketing is one of the traditional sales methods in the financial industry. From a long time ago, banks and financial institutions promoted loans, credit cards, insurance, wealth management and other businesses by telephone. There is also a special direct selling center in the bank, which is convenient for citizens to know the latest products and information by telephone and order business. However, the business of some institutions is not as advertised. Occasionally, low interest rates or even zero interest rates are used as marketing gimmicks, but this is not the case when they actually lend or issue loans. They may increase their income by charging other fees. Moreover, the bank will cooperate with some third-party institutions, only provide the customer list, and do not promise after-sales, which will lead to some problems. When you find a bank, you will find that it is not a bank product. Therefore, when you encounter telemarketing, you must keep your eyes open and understand the situation carefully. It's best not to agree verbally, but to go to the bank counter to get the latest information.
Second, non-financial institutions have a lot of telemarketing. Don't believe their verbal promises casually, because there are often many expenses, such as performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, credit information fee, mortgage fee, card opening fee, etc. It will also guide you to pay attention to micro-signals, download mobile phone software and fall into their trap step by step. In a word, telemarketing is risky, so don't believe it casually.
Third, don't trust unfamiliar loan calls. What you think is a formal financial institution such as a bank is actually a liar. Pay attention to verify each other's information; 2, don't believe in free pies, loans are definitely troublesome, especially after the amount exceeds 30,000, who can tell you to easily help you borrow 50,000 or even 65,438+10,000, without any information, most of them are fake; 3. All scams have one thing in common, that is, you have to pay, and whoever needs you to pay first, no matter what the name, there will be ghosts; I remember seeing an example in the community, saying that she opened a micro shop to sell tea and made a phone call for no reason. When she came up, she wanted to buy more than 2,000 teas. She accidentally bought too many, and she needed her WeChat to transfer the extra money. Fortunately, this treasure friend was more careful and returned the money without seeing the order, because the liar placed a cash on delivery order and didn't pay at all.
Fourth, don't give the bank, password and bank SMS verification code, as well as the verification code issued by Internet financial institutions to any third party. Anyone who wants it is also a liar!
Loan telemarketing skills: practical marketing words
How to say loan telemarketing?
Practical sales presentation-clarify the purpose of the call
The purpose of calling customers is to lend money. Of course, it can't be done by a phone call, but our phone call should be effective and can get valuable information.
Practical marketing words-collecting target customer information
Since the purpose is clear, it is a question of who to call. Telemarketing in any industry starts with selecting customers.
The key to the success of telemarketing is to find the right target, or to find enough effective potential target customers. If you can't even do this, then you can't create any good performance at all.
In the process of telemarketing, choice is always more important than effort. Finding the right target at the beginning doesn't mean that you can generate sales performance, but at least you get an opportunity and get a good start.
The prelude to successful telemarketing
A successful opening statement must introduce the company and yourself within 30 seconds, arouse customers' interest and make them willing to continue talking. That is, the salesperson should clearly let the customer know the following three things within 30 seconds:
1. Who am I and where am I from?
2. What's the purpose of my calling the customer?
3. What value and benefits can my product bring to customers?
It's best to express your intention in the shortest sentence in the opening remarks, because no one will have the patience to listen to a stranger's long speech there. What the customer cares about is what this call is for and what it can bring him. A useless phone call is a waste of time for anyone.
If the customer says, "I don't have time to go.
Loan officer: "I understand. I never have enough time. But it only takes 1 minute, and you will understand that it is only good for you, and there is nothing bad.
If the customer says, "I'm not available now!"
Loan officer: "since you are busy now, I won't bother you for the time being." Is Monday morning or Tuesday afternoon convenient for you? " I'll contact you then! "
If the customer says, "Please send me the information."
Loan officer: "OK, sir, what's your micro signal?" I'll add you later and send you the details of our side. You can get to know it first. If you have any questions, please feel free to ask me! "(The purpose is to add customer WeChat)
If the customer says, "I have a lot of money and don't need a loan"
Loan officer: "At first glance, he is a person with an investment mind. It should be fun for a rich man like you to use Qian Shengqian! " ! I have met several rich people like you, but they will still create more wealth through loans! "
If the customer says, "I want to make a decision, I have to discuss it with my family first!" " "
Loan officer: "I totally understand, sir." When can we talk to your partner? "
If the customer says, "We will contact you again!"
Loan officer: "Sir, maybe you don't have much desire at present, but I still want you to know more about our products, which may be of great help to you in the future!" " "
When you start a conversation, don't get into the subject at once, but beat about the bush. For example, if you sell tea, maybe you can!
You: "Hello, are you Mr. (Ms.) XXX?"
Customer: "XXX" (maybe you will be rejected, if not, as follows)
You: "Hello, I'm Xiao Zhang (Xiao Li, Xiao Wu! Remember, say a nickname, which is more convenient for you to communicate with customers. )
Customer: "XXX" (maybe you will be rejected, if not, as follows)
You: "According to what the company and I know about you, you should be an expert in tea ceremony?" You should be a tea drinker.
Customer: "XXX"
After that, if the customer doesn't reject you, it means that you have succeeded half way! The prologue has come out, and it's up to you later!
When communicating with customers, your language can be humorous, so your communication will be easier! Of course, according to different customers, the language organization is also different. To be an excellent salesman, you must grasp the customer psychology in a few words!
Sales, you must sell yourself to customers first, and customers will accept your products! Therefore, we must first have a certain "psychological communication" with our customers, and don't be impatient or we will be doomed to failure!
The word 1- is simple and clear.
Guest: Hello, where is it?
Credit Manager: Hello, Mr. Wang, this is the account manager of xx Bank. Thank you for your long-term support for our work. I will provide you with exclusive service in the future. Please feel free to contact me if you have any questions. (Before continuing, pause and listen to the customer's reaction)
Is it convenient for you to spend a minute? (It is convenient for customers to come straight to the point. If it is inconvenient, make an appointment for the next telephone contact. )
The country is building a credit project, a project to benefit the people, in order to let the people better enjoy the national welfare and policies. We are doing an exclusive activity for credit users. You are now a credit user of our bank, and we can provide family reserve funds for credit users like you. You just need to provide relevant information.
Customer: What family provident fund?
Credit manager: I believe you know something about our bank's products. The family reserve fund is distributed to you in the form of credit products to meet the emergency needs of your family. You can use interest without spending a penny.
Customer: What information?
Loan officer: Is your micro signal bound to this phone number? I'll add you later and send you the details of our side. You can get to know it first. If you have any questions, please feel free to ask me! "(The purpose is to add customer WeChat)
Speech art 2- friend recommendation method
Loan officer: Hello, Mr. Wang.
Customer: Who are you?
Loan officer: Hello, Mr. Wang, this is Xiao X, the account manager of xx Bank. Your friend Zhao Zong told me that you might need funds recently. He just borrowed money from us recently, so he asked me to contact you. I don't know when you need funds here!
Client: Mr. Wang? Who is manager Wang? I don't know!
Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry, I'm in a hurry first! I'm really sorry!
Guest: Never mind!
Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long.
Speech 3- Humorous Methods
Loan officer: Hello, Mr. Wang.
Customer: Who are you? What can I do for you? )
Loan officer: Mr. Wang, I am sending you money!
Guest: Oh? What money should I send?
Loan officer: Well, I'm the account manager of Little X, xx Bank. We have made a special product for customers like you. The maximum loan is 300 thousand, and the loan can be released in about three days. If you need funds recently, you can come to us!
Customer: Didn't you say to send money?
Loan officer: There is interest on the loan, but I can treat you to dinner for free.
Speech 4- Pretending to be familiar with the law
Loan officer: Good morning, Mr. Wang!
Customer: Who are you? Can I help you?
Loan officer: I'm Xiao X from xx Bank. I contacted you some time ago and talked to you about the loan! Do you remember?
Customer: Why don't I remember?
Loan officer: Mr. Wang, you must be very busy recently! I'm Xiao X from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 500 thousand! I should remember something this time!
Opening remarks of loan telemarketing
Opening remarks of loan telemarketing
The opening remarks of telephone loan sales need skill. Many sellers have their own words, which can guide customers well and promote their desire to buy. The sales pitch of telephone loan is similar to other sales pitches. Let's share the opening remarks of telephone loan sales.
Opening remarks of loan telemarketing 1
How to say loan telemarketing?
The sales rhetoric of telephone loan is similar to other sales rhetoric, except that your product is loan, which is an effective marketing to find target customers, so we know that the sales rhetoric of telephone loan can be designed by changing products.
If the customer says, "I don't have time to go.
Then the loan officer should say, "I understand. I never have enough time. But in just three minutes, you will believe that this is absolutely important to you.
If the customer says, "I'm not available now!" "
The loan officer should say, "since you are busy now, I won't bother you for the time being." Is Monday morning or Tuesday afternoon convenient for you? " I'll contact you then! "
If the customer says, "Please send me the information."
Then the loan officer should say, "Well, sir, what's your micro signal? I'll add you later and send you the details of our side. You can get to know it first. If you have any questions, please ask me here! " (The purpose is to add customer WeChat)
If the customer says, "I have a lot of money and don't need a loan"
Then the loan officer should say: "At first glance, he is a person with an investment mind. It should be fun for a rich man like you to use Qian Shengqian! " ! I have met several rich people like you, but they will still create more wealth through loans! "
If the customer says, "I want to make a decision, I have to discuss it with my family first!" " "
Then the loan officer should say, "I totally understand, sir. When can we talk to your partner? "
If the customer says, "We will contact you again!"
Then the loan officer should say, "Sir, maybe you don't have much intention at present, but I'm still glad to let you know more about our products, which may be of great help to you in the future!"
Opening remarks of loan telemarketing II
Hello, I'm the credit officer of a bank, sir. Do you have any financial needs recently?
1. business: his scope is particularly wide. In a narrow sense, it only refers to sales. Broadly speaking, all the work we do is business. For example, it is his business for the tax bureau to collect taxes, and it is his business for teachers to teach. Therefore, it is generally not called business manager or business department, but marketing department and marketing center.
2. Sales: literally means buying things, just like our narrow business.
3, marketing: including sales, the key is which word "business", including market research, market planning, market model, etc. , which belongs to advanced sales.
Generally speaking, the business is wide and the sales are relatively simple.
5. The business can directly quote and sign the contract on behalf of the company, and can accompany the customer to sign the bill as a company representative. Anyway, business can often represent the company, and sales only sell their own products. Business can be called sales.
Opening remarks of loan telemarketing 3
1, preface
Loan officer: Hello! I am the loan specialist of XX Company. My last name is XX. Do you have the need for loan financing?
Customer: (demand → guidance; There is no demand → tell the customer to introduce a friend's loan and successfully send the phone bill to 300 yuan, or other activities).
Loan officer: Sorry to bother you. Wish you a happy life! Goodbye!
2. Wizard
Loan officer: We have two products, one for office workers and the other for business people. Are you going to work or do business?
Guest: (Any one. If they are all, the loan officer needs to ask him first whether he is a legal representative)
Loan officer: What is the purpose of your loan? When do you need a loan? How much do you want to borrow? How long will this loan last?
If the other party is an office worker
1. Ask the customer how long he has worked in the current company.
How long has the business license been registered?
Is the salary paid by the bank or the money found?
What's the total for the past six months?
Have you had a credit card in the past six months?
Has the credit card center called customers in the past six months? (If not, praise the customer's good credit appropriately)
Have you ever borrowed money from other banks?
Have you ever taken out a loan to buy a car?
Have you ever taken out a loan to buy a house? (Increase the loan amount for the house)
If the other party is in business
1. Ask if the customer is the legal representative of the company?
How many shares are there?
How long has the business license been registered? (After one year of registration, local people can only apply if they have a daily business account or a commercial house, otherwise they will be registered for two years. )
2. Ask customers how much money they have received from corporate accounts and private accounts of the company in the last six months. (This is used to evaluate the customer's income and determine the customer's loan amount)
How many credit cards do you have?
What's the total?
How much is it consumed at present?
How long did the longest one last? (Understand the customer's debt situation, too high debt will affect the loan amount)
3. Ask customers if they have used credit cards in the past six months.
Has the credit card center called customers in the past six months? (If not, praise the customer's good credit appropriately)
4. Ask customers whether they have borrowed money from other banks.
Have you ever taken out a loan to buy a car?
Have you ever taken out a loan to buy a house?
If the other party has a commercial house
Ask the customer whether the house is mortgaged or a one-time buyout?
Are they husband and wife (whose name is on the property certificate)?
How many square meters?
How long did it last?
How much is the monthly payment? (For one-time buyout, praise the customer's strength appropriately)
The best vocabulary for telemarketing loans
The best vocabulary for telemarketing loans
The best words for telemarketing loans, for different sales "lists", the effect of using different words by salespeople will be very different. The sales pitch of telephone loan is almost the same as other sales pitches. This is targeted and effective marketing. The following are the best words for telemarketing loans.
Best words for telemarketing loans 1
Loan telemarketing
First, the loan sales opening remarks
The word 1- is simple and clear.
Guest: Hello, where is it?
Credit Manager: Hello, excuse me, we are loan officers of xx Loan Company. Is there any demand recently?
Guest: No need.
Credit Manager: Never mind. You can spend two minutes learning about our loan products, and you can use them in the future if you need them, right?
Speech art 2- friend recommendation method
Loan officer: Hello, is this Mr. Wang?
Guest: Yes, who is it?
Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently. He just borrowed money from us recently, so he asked me to contact you. I don't know when you need funds here!
Client: Mr. Wang? Who is manager Wang? I don't know!
Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry, I'm in a hurry first! I'm really sorry!
Guest: Never mind!
Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long. Is it convenient for you?
Speech 3- Humorous Methods
Loan officer: Hello, is this Mr. Wang?
Customer: Who are you? What can I do for you? )
Loan officer: Mr. Wang, I am sending you money!
Guest: Oh? What money should I send?
Loan officer: Well, my name is Xiao Li, and I am a loan officer of xx Loan Company. We specialize in unsecured credit loans. We can borrow up to 500,000 yuan, and we can lend money in about three days. If you need funds recently, you can come to us!
Customer: Didn't you say to send money?
Loan officer: There is interest on the loan, but I can treat you to dinner for free!
Speech 4- Pretending to be familiar with the law
Loan officer: Good morning, Mr. Wang!
Customer: Who are you? Can I help you?
Loan officer: I'm Xiao Li from xx Company. I contacted you some time ago and talked to you about the loan! Do you remember?
Customer: Why don't I remember?
Loan officer: Mr. Wang, you must be very busy recently! This is Xiao Li from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 500 thousand! I should remember something this time!
Best vocabulary for telemarketing loans II
Knife penetration method
Credit Manager: Hello, I am a bank loan, unsecured, unsecured, and the fastest loan 1 day. Do you need it recently?
Customer: No need!
Credit Manager: Never mind. We can add a WeChat. If a friend asks you for money, you can recommend my WeChat to him. You won't be embarrassed to solve his problem, don't you think?
Guest: You can have this. Please add it.
Friendly reminder: Go straight to the list suitable for general quality, especially those who are uncertain or unfamiliar with the list type. This method is the most suitable. For example: calls from colleagues, list of joint numbers.
Invitation notification method
Credit Manager: Hello, is this Mr. Wang from XX Company?
Customer: Who are you? Can I help you?
Credit Manager: We are XX Small and Medium Enterprises Association. In order to help promote the development of enterprises in XX area, your company's conditions meet the conditions of our bank's credit loan support funds. The interest is XX to XX, and the maximum support amount is 20,000 to 500,000. I want to know how much money your company needs at present.
Customer: What information do you need?
Friendly reminder: this method is suitable for loans to enterprises or shareholders, and can be used by an association, a financial institution or an institution. For example, the credit card center allows you to apply for installment, and cooperation between certain institutions. Or XX company and XX enterprise cooperate to launch XX loan products.
Notification of new products and activities act
Credit Manager: Hello, is this Mr./Ms. XX?
Customer: Who are you?
Credit Manager: Hello, this is Manager Li who gave you a loan earlier. Now the company has introduced a new product with low interest. I think this product is more suitable for you. Do you need to handle it?
Customer: OK, what information do you need?
Friendly reminder: this method is most suitable for old customers or customers who have been rejected before, as well as the post-loan customer list of other channels, which will make customers feel your attention and then communication will be more convenient.
Pretend to be familiar
Credit manager: Good morning, Mr. Wang!
Customer: Who are you?
Credit Manager: This is Xiao Li from XX Company. I contacted you some time ago. Before that, you told me that you wanted to know about the loan. Do you remember?
Customer: I don't remember?
Credit manager: Mr. Wang, I guess you have been too busy recently! I'm from XX loan company. What is our company mainly engaged in? Unsecured credit loans, the application materials are also very simple, and you can lend money within 500,000 on the same day! Do you need funds now?
Friendly reminder: this kind of opening remarks requires you to know more about the customer's information, such as name, company, position, etc. This will improve the efficiency a lot, and customers will not feel so disgusted when dialing.
Friend recommendation method
Credit Manager: Hello, is this Mr. Wang?
Guest: Yes, who is it?
Credit Manager: Hello, Mr. Wang, this is Xiao Li from XX Loan Company. I was recommended by your friend Zhao Zong. He has just applied for a loan in our company. Let me ask you if you have any financial needs recently.
Guest: Zhao Zong? Zhao Zong who?
Credit Manager: Well, what does our company do? A loan? Interest? Do you think you have any needs?
Customer: So, what about your company's loan?
Credit manager: Our handling is also very simple? .
Best vocabulary for telemarketing loans 3
First, the opening formula
Hello! I'm manager Li of XXX company. Do you have any needs recently?
Yes, start asking about the demand.
No, I'm sorry to bother you. I wish you peace! Goodbye! Remember to send text messages or add customer wechat, which is convenient.
Contact you later!
Second, guide the in-depth formula
According to the different types of loans, ask customers whether to go to work or do business. If there are both, ask whether it is a legal person first.
Table,
What is the purpose of your loan? Be sure to ask what the loan is for and when it is needed. Want to borrow more
Less? How long will it take?
Third, the formula for office workers to sell electricity
Question: working hours, salary, average income, and whether there is comprehensive credit card debt.
Four, the merchant power marketing formula
Inquiry order: company information, whether the company is a legal person, and how long the company registration period will be publicized to the public.
Personal situation, average income, total credit card, other assets compared with other liabilities.
Five, the house and car sales formula
Is the house a mortgage or a full personal loan or how many square meters has it been provided for how long?
Is the car mortgaged? What's the price of naked cars? How many years have you used it?
Sixth, the opening remarks are simple and straightforward.
Guest: Hello, where is it?
Credit Manager: Hello, I am the credit specialist of xx Loan Company. Do you need it recently?
Guest: No need.
Credit Manager: Never mind. You can take two minutes to learn about our loan products, and you can send them later if necessary.
Yes, you're right!
Seven, opening remarks, friend recommendation skills
Loan officer: Hello, is this Mr. Wang?
Guest: Yes, who is it?
Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently.
Yes, he just borrowed money from us recently, so let me contact you too. I don't know when you need it
Where is the money!
Client: Mr. Wang? Who is manager Wang? I don't know!
Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry. I'm here.
First hurry! I'm really sorry!
Guest: Never mind!
Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long.
Room, is it convenient for you?