1, understand the business scope of the company and fully understand the company's business in order to better communicate with customers and gain their trust;
2. Understand the structure of the company's existing sales team, and analyze your own market circle according to other people's experience and your own actual situation;
3, do a good job in goal planning, performance task decomposition, do not blindly find customers in order to find customers;
4. Understand the area of your city and find the target customers;
5. Serve every customer sincerely, don't rush for success, be down-to-earth, and do your own reputation.
Ten channels to develop new customers
1. From people you know.
One with a circle, which is the quickest way for salespeople to make friends. One of your friends doesn't need your car, but are you sure you don't need your friend? Get to know them and you will meet many people. Tell people around you what you are doing, what your goal is, gain their understanding, and you will soon find your potential customers, because people around you will help you and are willing to help you.
2. With the help of professionals.
Most enterprises will form a group of novices and experienced veterans to work together and let the veterans train novices for a period of time. This enterprise tutor system works well all over the world. Through this system, the knowledge and experience of established enterprises are recognized, which is also helpful for the cultivation of novices. Of course, you can also entrust enterprises or other enterprises to help you find customers, which requires the support of enterprises. There are many kinds of agents and they can provide many kinds of services. You should seek a suitable agent according to your own strength and needs.
3. List provided by enterprises
If you serve a company, the company will get the best performance through the details of advertising and marketing. Many enterprises provide sales staff with performance lists. In order to be an excellent business master, you need to find your own potential customers from them. In this way, even if you get nothing from the list of enterprises, you are prepared. If you are always looking for potential customers, you will encounter the least setback and make great strides.
Check the list of past customers, and you will not only get future business, but also get the business recommended by them.
4. Develop business contacts
Whether you are new to sales or not, you may be selling. Business contact is easier than social contact. With the help of contacts, you will make business contacts faster. Not only the people you know in the business world, but also the government functional management departments, associations, driver training schools, clubs and other industry organizations, which bring you a huge group of potential customers.
5. Know a salesperson like you.
You have met many people, including salespeople like you. Well-trained salespeople sent by other enterprises are familiar with the characteristics of customers. As long as they are not your competitors, they will generally make friends with you. Even if they are competitors, you can become friends and get along well with them, and you will gain a lot of experience. The other party will remember you when they visit customers. If you have a suitable customer for them, you will definitely remember him. Not to mention the extra achievements, you have a very effective business partner.
6. Look for potential customers from automobile customers.
When the old car is about to be eliminated, the salesperson who contacts the customer in time wins. Make plans early and you will achieve fruitful results. Remember to get involved as soon as possible.
Step 7 read the newspaper
Perhaps the most effective tool for finding potential customers is the newspaper you put there every day. When reading, underline all the opportunities you find. Unless you do international trade, you may like to watch the local news, business and statement pages. The part that is beneficial to most people is the part that describes the life of ordinary people. It only takes a few days to learn to read newspapers. Once you start, you will be surprised to see a lot of valuable information. Pay attention to marking and recording. Take today's newspaper, read every front page news, and tick off the statements that are of certain commercial value to you. Just like an excellent salesperson tries to contact the relevant people, keep a copy for himself, and then send a short message: "I saw you on the news, I am doing business locally, and I hope to know you." I think you may need to have a copy of the news to share with friends and family. "And attach a business card. People like to appear in the news themselves, and they like to send copies of articles to relatives and friends who are not local. By providing this small service, you can get a lot of big business.
8, understand the technical personnel of vehicle service.
Other people in the enterprise will think of you when they hear valuable information. For example, someone in the finance department knows that the bank may buy a car, which is valuable information in sales. You can arrange a visit. Develop the habit of regularly checking the service and maintenance records of enterprises. Ask the customer service department how many consultation calls your customer has made. If it is repeated, you need to pay a return visit to them. Maybe they are in the growth stage, and you can help them win new services. Try to provide services beyond those provided by ordinary salespeople, which will help you establish long-term relationships, establish credibility and get recommended business.
How to be a credit salesman and run a business?
First of all, loan officers need strong diplomatic skills and extensive contacts, otherwise it will be difficult to do so.
When someone borrows money from the bank due, the bank will discharge the loan officer to call for debt collection (the skills of debt collection will be trained by the bank).
Or if someone applies for a loan, the bank will bring a loan officer to the door.
There are two kinds of general salesmen (loan officers), one is enterprise salesmen, that is, they are engaged in business in enterprises and companies.
One is an individual salesman, that is, handling personal loans.
In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.
What are the ways to get a loan?
There are three main loan channels.
One is to borrow money from the bank. Advantages: As long as you are strong, there is no upper limit on the loan amount and the interest rate is relatively low. Disadvantages: The threshold for bank loans is relatively high, and the requirements for personal comprehensive strength, credit status, repayment ability and guarantee conditions are relatively high.
In addition, if the amount is relatively small, you can also use a credit card and slowly raise the card. You can usually get 200,000-300,000.
The second is lending in Internet financial institutions. Advantages: convenient and fast, low threshold, such as Alipay loan, WeChat micro-loan. As long as you use their application frequently, they can provide you with a credit line based on the information collected from you every day. Disadvantages: the loan amount is generally not too high.
The third is private lending. This is a matter of opinion. When you meet someone who respects you, you can borrow money at low interest. The procedure is simple. You can get it with an iou. If they are satisfied, they dare to give as long as you dare to borrow. I'm not afraid of you not paying back the money.
There are many ways to get a loan. Let me give you a simple list:
bank loan
At present, there are more than 3,800 banks in China, and basically every bank can lend money. The biggest advantage of bank loans is that the interest rate is relatively low. In general, mortgage interest rates is about 6%-8%, and the interest rate of unsecured credit loans is about 65,438+02% to 65,438+05%.
But it is generally difficult to apply for a bank loan. If you are not a quality customer or have no assets, it is difficult to get a loan from the bank.
Licensed company
Licensed companies are licensed companies, such as technology companies and rural companies. These companies generally have specific loan destinations, and the interest rate is about 1.5% per month, and the amount may range from 65438+ 10,000 to tens of millions.
Unsecured company
There are many unsecured and unsecured companies in the market at present. These companies have a wide range of business, and individual enterprises can apply for them, and they are also more flexible to handle. The comprehensive monthly expenses of these unsecured and unsecured companies are about 2.5%, and the amount is generally between 1 10,000-500,000.
Of course, if you have a house as a mortgage or a policy or a car, the interest rate is relatively low.
P2p platform loan
P2p platform loans are mainly used as the intermediary of the platform to bring the rich and the poor together. At present, the interest of p2p platform loan is almost the same as unsecured interest, and the amount depends on the specific needs of the project.
Big platform online loan
At present, there are several types of online loans, and the online loans launched by some big brands are one of them, such as Alipay's loans, WeChat's micro-loans, JD.COM Gold Bar, Baidu's Qianhua, 360 IOUs, Xiaomi's loans and Wanda's loans. The loan amount is generally between 1 10,000 and 300,000, and the daily interest rate is about 1.5 to 6/.
consumer loans
Consumer loans are products launched by some consumer finance companies and are also very popular at present. But consumer loans are generally paid in installments when you buy goods, and you can't withdraw cash directly. For example, if you buy a mobile phone or computer, you can repay it in 12 or 24 installments.
Cash loan
The current development of cash loans is also very hot, but at present, the supervision of cash loans by the regulatory authorities is very strict. Therefore, many cash lending platforms have stopped their business. Cash loans are mainly used to solve the short-term shortage of funds. The normal term is between seven days and thirty days, and the general amount is between 500 yuan and 50 thousand yuan. However, the interest on cash loans is very high. Generally, interest is calculated on a daily basis, and the interest is between 1‰ and 5‰, that is to say, the daily interest of borrowing 1000 yuan is between 1 yuan and 5 yuan. If you convert this interest into annual interest, it will reach%.
Private loan
Private lending is also personal loan, commonly known as private lending. At present, private lending is quite confusing, so I suggest you not to contact it.
Of course, in addition to the above loan methods, if you are a corporate customer, you have several other loan methods to choose from.
One is supply chain loans.
Supply chain loan is a kind of loan method of upstream and downstream payment. For example, A wants to buy A goods, and then he applies for a loan of 1 million yuan from B Finance Company, but the loan 1 10,000 yuan is not directly given to A but directly called to A's supplier C customer.
The other is equipment leasing financing.
Equipment financing means that you need this equipment, and then you can find a financial leasing company to buy it for you, and then you can repay it in installments or only within a certain period of time.
Of course, there are other loans, such as trade loans, so I won't go into details here.
Loans mainly include banks, internet companies, online lending institutions, companies with consumption, and companies.
1, bank
1 institutions are banking financial institutions, such as large state-owned commercial banks, joint-stock commercial banks, city commercial banks, credit cooperatives, etc., among which the interest rate of state-owned banks is relatively low.
2. Internet companies
The second organization is an Internet company. The famous products of internet companies are: Tencent's micro-loan, Ant Financial's ant loan, and Baidu's money.
3. Online lending institutions
The third type of institutions are online lending institutions, mainly referring to p2p, such as you and me, and everyone. Among online lending institutions, loan review is the most important and the interest rate is the highest. The interest rates of many institutions exceed the lowest standard set by the highest people by 36%.
4. Consumer finance companies
The fourth category is consumer finance companies. There are 17 consumer finance companies in China, such as BOC Consumer Finance Company and China Post Consumer Finance Company.
5. Company
The fifth category is companies. There are probably thousands of small loans and companies in China, which are divided into online small loan companies and non-online small loan companies.
Among the above five types of institutions, the loan interest rate from low to high is banks, consumer finance companies, internet companies, companies and online loans. It is suggested to apply for loans from banks first, followed by companies with consumption amount, and online lending institutions are ranked last.
Friend, although I am a professional financial worker, your question makes me feel difficult to answer. In short, there are many ways to get a loan.
Let's just say that if your loan refers to a wide range of objects, not only bank loans, but also effective ways of bank loans, you can go to formal financial institutions such as companies, financial leasing companies, finance companies, trust companies, theme financial companies (such as auto finance companies that provide car loans) and so on; There are also informal Internet finance companies such as private P2P platforms.
But I told my friends to stay away from illegal lending companies so as not to get caught in the whirlpool; The most assured, safest, most reliable and cheapest loans are banking institutions. There are many banking institutions, including large state-owned commercial banks, such as the five major banks that established diplomatic relations between workers and peasants, large cross-regional joint-stock commercial banks, and local small and medium-sized commercial banks, such as city commercial banks, rural commercial banks and rural credit cooperatives.
Banks may have different requirements for loan conditions, some with high thresholds, some with low thresholds, some with very strict requirements and some with relatively loose conditions. We can't generalize. You can contact and deal with it according to your own loan conditions in order to solve the loan demand.
As for the bank loan requirements you asked, the requirements of different banks may be roughly the same, but there are some differences in details, which depends on your own conditions.
Usually, the bank loan requirements are as follows:
1, personal credit loan conditions
(1) The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use;
(2) Personal credit status is good;
(3) There are certain restrictions on the income of borrowers. Generally, the borrower's average monthly income is not less than 4000 yuan.
(4) After the bank submits relevant application materials, if approved, it can apply for a loan with a monthly income of 5-8 times.
2. Housing mortgage loan conditions
(1) In addition to strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years, and the house area should be more than 50 square meters;
(2) The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house;
(3) In this way, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years after submitting relevant information and approval by the bank.
3, the conditions of college students' entrepreneurial loans
(1) College students who graduated within two years;
(2) College degree or above;
(3) 18 years old or older.
Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.
4, self-employed loan conditions
(1) must have full capacity for civil conduct and have a local hukou;
(2) Having a fixed business place and stable income in the local area;
(3) Being able to provide legal collateral;
(4) Open a deposit account in a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
5, housing mortgage loan conditions
(1) has a valid ID card and proof of marital status;
(2) Good credit record and repayment willingness;
(3) stable income;
(4) Commercial housing sales contract or letter of intent for the purchased house;
(5) Being able to pay the down payment of the purchased house;
(6) Opening a personal settlement account in a bank with effective guarantee.
After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
Now I will give you the specific loan terms of several banks for your reference:
First, what are the terms of the CCB loan?
1, if you want to have a fixed income, it depends on the salary details;
2. 18-50 years old or older, and pay off the loan before the age of 65;
3. If the loan is used for business or car purchase, there must be a guarantor and a mortgage. Mortgage requires the borrower and the borrower's spouse's listed commercial housing, commercial housing and other assets as collateral. The guarantor must be a natural person and a VIP customer of CCB;
4. No bad credit record. The monthly payment is not higher than 50% of the family wage income.
Second, what are the conditions for bank loans in China?
1, a natural person with full capacity for civil conduct;
2. Effective proof of personal identity;
3. Have the legal ability to repay the loan principal and interest;
4. Good personal credit;
5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;
6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;
7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;
8. Other conditions stipulated by the Bank of China.
3. What are the conditions for a loan from the Postal Savings Bank?
1. Farmers' bank loans require borrowers to be married, while merchants' bank loans require borrowers to have business licenses and operate normally for more than half a year;
2. Have full capacity for civil conduct, be in good health and have the ability of labor production and operation;
3. Family members with two jobs, aged between 18 and 60;
4. Have a local hukou or have lived in the local area for one year;
5. It is necessary to provide 1 to 2 natural persons for guarantee, and the guarantor requires people with stable income such as national civil servants, teachers and doctors, or form a joint guarantee group of 3 to 5 households;
6. Have a stable business place.
My friend, it is clear at a glance to compare the requirements of these loan conditions of banks. If you want to borrow money, you can improve it item by item by comparing the requirements. I wish you a successful loan!
Bank loans are generally credit loans and mortgage loans, with more mortgages.
First: credit loans
Taking credit loans as an example, there are flash loans for savings cards and e loans for credit cards, all of which belong to the category of credit loans. No information is needed, mainly credit information will be taken seriously, up to 300 thousand.
Second: mortgage loan
At present, the most loans are mortgage loans, which generally require local or surrounding cities to have real estate.
Third: mortgage loan
It is the loan needed to buy a house. Where there is a first-hand house, there is a special partner. If you have a second-hand house, you can consult the bank directly.
The channels of loans are generally divided into four categories: the first choice is definitely bank loans, then consumer finance, then small online loans, and finally private lending!
Bank loans, as we all know, have high quotas, low interest rates and flexible repayment methods! Of course, his requirements are also relatively high. If an individual applies, generally speaking, he needs to have a house, a car, social security, provident fund, salary and insurance. You can apply for a combination of these conditions. For example, if you earn more than 5,000 yuan and have a provident fund base of more than 5,000 yuan, you can borrow from many banks. Moreover, his requirements for credit reporting are also relatively high.
Consumer finance, there are basically consumer finance companies under general banks, such as common BOC consumer finance, industrial consumer finance, large number finance and so on. And their requirements are much lower than those of banks. Ordinary office workers can do it with a minimum base of 2200, but the interest is a little higher than that of banks, which is basically around 1 minute.
Small online loans, companies, such as online loans, micro loans, Baidu money, 360 loans, are all small online loans. Offline companies, such as Bomin, Zhongan and Yaliancai, have higher interest rates than consumer finance, basically between 1 and 3 points. The requirements are relatively low, and social security or wages can be paid.
Private lending, there are many people who specialize in lending, and the interest is high or low, but many of them are. Some need mortgage, and some are pure credit. The water is deep. I advise you not to touch it easily.
With the improvement of people's consumption level and the acceleration of life rhythm, when funds need to be turned around, people will need loans. So what are the main ways of lending? What qualifications do you need for a loan?
First, the loan method
1, bank loan
When it comes to loans, the first thing that comes to mind is bank loans, which is also the most widely used way at present. For example, large state-owned commercial banks, joint-stock commercial banks, city commercial banks and credit cooperatives, among which the interest rates of state-owned banks are relatively low. The interest rate of bank loans is lower than other institutions, but the approval time is longer, and bank loans are generally high-quality customers, so the threshold for users is relatively high, and incomplete information will lead to the failure of approval or the decline of households.
2. Lending bank
Due to the limited number of loan users handled by banks, the demand exceeds supply, so loan companies appeared. Some loan companies don't need mortgage, but the interest rate will be high. There are many unsecured and unsecured companies in the market at present. These companies have a wide range of business, and individual enterprises can apply for them, and they are also more flexible to handle. The comprehensive monthly expenses of these unsecured and unsecured companies are about 2.5%, and the amount is generally between 654.38+00,000 and 500,000.
There are also some loan companies with licenses. These companies generally have specific loan destinations, and the interest is about 1.5% per month, and the amount may range from 65438+ 10,000 to tens of millions.
3. Online loans
When it comes to online lending, everyone is familiar with it. Especially in recent years, many online lending platforms have emerged. Their characteristics are low threshold, high loan application amount and fast approval. Basically, it is done online, and the amount of approval is collected in seconds. The loan amount of these platforms is generally between 1 10,000 and 300,000, and interest is charged on a daily basis. The daily interest rate is about 1.5 to six ten thousandths.
4. Consumer loans
Many people have never heard of consumer loans, but they have used them. What is a consumer loan? They don't need the full amount to buy goods, and they can pay by installments according to their own situation, but they will also charge a certain installment fee. At present, with the use of online consumption, the handling of consumer loans has gradually increased.
Second, the loan qualification
According to the bank's standards, your credit report plays a decisive role, that is, you have never had a record of overdue bad debts. Generally, there is continuous fatigue, which will be blacklisted directly by the bank. Secondly, your financial situation, your income can be referenced by the running water of the bank, and fixed assets are also a plus item for loans. Basically, if you have a good credit record and have the ability to repay loans, the bank will issue loans. Banks are the most demanding of all loan channels. If the bank can make a successful loan, other channels can certainly do the same.
According to the current loan data of real estate banks, the down payment of mortgage in second-tier cities is generally 30%, and the proportion of mortgage in first-tier cities is 35% to 40%. In order to promote real estate sales, third-and fourth-tier cities may have 20% mortgages. Therefore, the down payment for buying a house is not your choice, but determined by the corresponding loan banks, and these banks often sign agreements with real estate developers in advance. When buying a house corresponding to a real estate, you can only find the corresponding bank loan, or there may be 1 three banks that can handle loans at the same time, so you should ask the down payment ratio of different banks and whether there are any preferential activities.
Riding a cow to see a bear still remembers 10 years ago, the bus was still 1 yuan, and now it is 2 yuan; Sesame cake 2 yuan, now 5 yuan; Internet cafe 1 hour 2 yuan, now it is 15 yuan. . . . . . There are many things whose prices are rising. Let's look at the house price 10 years ago. Now it has gone up several times, and we can only exclaim that "money is getting worthless". This is mainly because of the continuous development of social economy, people's "pockets" are getting warmer and warmer, and money is constantly being issued, which inevitably leads to inflation.
In fact, from the perspective of currency depreciation, money belongs to a medium in transactions. If the currency is oversold, it will depreciate and cause inflation. After 10, 20 and 30 years, inflation will increase according to certain economic laws, and the growth rate can be controlled in macro-control, but it is almost impossible to completely curb it. Therefore, when buying a house, buyers mainly choose a long-term repayment period of 20 years or 30 years, so that the pressure will be less and less, and more money can be used to make money by buying a car, doing business, investing, etc.
Let me tell you a joke first. At that time, I was still a teacher, so I went to the credit union in our town to prepare a loan to do business.
The loan officer of the credit union will not lend it to me under any circumstances. It is said that I am not married or even have a home. Unreliable,,,
All right, no kidding, let's get down to business.
What are the conditions for a bank loan? 1, credit 2, mortgage Generally speaking, it takes more time to make small loans in banks.
To make a small loan in a bank, whether it is a loan at the counter or a loan in the bank APP, the first thing to do is to check the credit.
If there is no problem with your credit and there is no bank overdue, there is basically no problem. However, if you borrow money at the counter, even if your credit information is ok, your loan record is too much and too confusing, and they will regard you as a dishonest person.
Therefore, the loan should be operated through the bank APP as much as possible. Dealing with computer programs is better than dealing with people. They only know the rules. Credit information can be used, and loans can also be used.
You need a mortgage when you take out a large loan.
If you want to make a large loan in the bank, you don't have great fame and strength, then the bank will ask you to show your collateral in addition to checking your credit history.
My brother works in Guangxi. The year before last, because of the project, the project payment has not been settled, the workers demanded wages and made trouble at the construction site.
Later, in order to pay the workers, my brother made a mortgage in the bank, and the mortgage was the house where he lived.
With collateral, the bank gave him a loan. Borrowed hundreds of thousands.
The above is the way to borrow money from the bank and the information you need. If you want to borrow money from the bank, you might as well read more books.
Several loan methods in China:
1. Bank loan: Applicants are required to have good conditions, especially to ensure good credit information and close relationship with banking business;
(1) Punch pay is above 5000.
(2) Social security accumulation fund (each sum is more than 600 yuan)
Second, formal financial institutions: loan review is slightly looser than that of banks, but good credit information is also a necessary condition;
There is commercial insurance under the name of the insured.
(2) The applicant has a national monthly house in his name.
Third, P2P lending platform: the application conditions are relatively loose, but the interest is relatively high;
Nothing, as long as the credit is good, you can apply for the next payment normally.
Access channels of loan intermediary companies
I. Loan service platform
On the one hand, it continuously obtains high-quality loan products, enriches product categories and meets customers' diversified loan needs; On the other hand, it connects all kinds of loan intermediary practitioners, and realizes the direct connection between loan customers and banks through the system platform, which is convenient and fast for online operation. Let customers enjoy the bank's financial services anytime and anywhere, and improve customer satisfaction and stickiness.
Second, establish online contact.
Financial institutions make their business and products online, establish and extend the connection relationship through digital systems or API and SDK, expand the breadth and depth of the connection, increase the channels and scenarios for acquiring customers, and digitize the service and marketing process.