How does credit find customers who need loans?

The most common methods for credit to find loan customers are as follows:

1. Obtain resources from online platforms: In an era where the Internet is highly developed, credit managers need to open online channels to find customers. Currently, there are many online platforms that can help credit managers find customers. Users can choose the platform that suits them to learn more.

2. Find customers through social media: Credit managers can promote their loan products and demonstrate their professionalism through social media such as QQ and WeChat. Over time, everyone can cultivate a group of their own of old customers.

3. Setting up stalls: Setting up stalls in crowded places is a traditional way for credit managers to expand their business. Although setting up stalls is laborious, credit managers can communicate directly with customers face-to-face, obtain their detailed information, and understand their specific needs.

How to obtain loan customer resources

Look for loan customers online, offline loan customers, and obtain them through channels.

What are the 8 major sources of loan customers?

1. Telemarketing. Try to gain as much knowledge as possible about products, have spouses of customers, and visit companies.

2. Introduction by acquaintances. Through an intermediary, the door of a public institution, proof of marital status and other materials, such as a credit card salesperson, just imagine where it comes from.

3. Household register, income certificate, and customer’s ID card.

4. Small loan risk control personnel.

5. Offline business development

6. Online promotion

7. Offline advertising

8. Banking industry loan officers< /p>

1. Personal Credit Loans

Personal credit loans are RMB credit loans that banks, online loan platforms, etc. extend to customers with good credit without providing guarantees. When applying for a personal credit loan on an online loan platform, you can usually apply directly online. The specific application process is subject to the platform's requirements.

2. Bank credit loan

Bank credit loan is a bank credit loan specially issued by the bank to working-class people with stable income. The monthly salary income is used as the basis for judging the loan amount. Personal credit loans for personal consumption require no guarantee or mortgage. Your credit is the best loan pass.

Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of Chinese banks for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks.

Mainly applicable to enterprises (institutions) legal persons, other economic organizations, and individual industrial and commercial households that have been approved and registered by the industrial and commercial administration authorities, and comply with the requirements of the "General Rules for Loans" and bank regulations

Conditions:

1. The borrower must be a natural person who is over 18 years old and has full capacity for civil conduct;

2. Have a permanent residence or valid residence status in China; provide personal identity certificate, which can be certificate, residence permit, household register, marriage certificate and other information;

3. Bank credit loans first require applicants to have a good credit record;

4. Have the ability to repay the loan, Provide proof of stable occupation and source of income, bank statement, labor contract, etc.;

5. Be able to provide complete documents such as house purchase contract, car purchase contract, enrollment certificate, investment plan, etc. that prove the purpose of the loan;

6. Provide proof of stable address, house rental contract, water and electricity payment bill, property management and other relevant certificates;

7. Provide valid certificates recognized by the lending institution, able to provide bank True and valid relevant information required;

8. Other conditions stipulated by bank lending institutions

Where to find customer resources for loans

Cooperating institutions, customer service Group and public resources.

Customer resources for loan business can be obtained from the following aspects:

1. Through their own customer groups: For some loan companies, they can obtain them from their own customer groups. Get loan customers. For example, a bank can obtain loan customers from its own savings customers, and a trust company can obtain loan customers from its own investment customers.

2. Cooperative institutions: You can cooperate with other institutions to obtain loan customers from the customer groups of cooperative institutions. For example, you can cooperate with a real estate agency to obtain loan customers from the agency's customer base.

3. Online channels: You can use online channels to obtain loan customers. For example, you can conduct loan business on an online platform and accept online applications.

4. Public *** resources: Loan customers can be obtained from public *** resources. For example, loan customer information can be obtained from government departments, industry associations, etc.

In general, there is no single channel for obtaining loan customers. You can choose appropriate channels to obtain customer resources based on the actual situation.

How to find customers who need loans?

How to quickly find customers who need loans is as follows:

There are many ways to find loan customers. The most common one is telephone sales, where you make phone calls to potential customers and use sales techniques to make them Customers come for loans;

You can print loan product brochures and distribute them to areas with high passenger flow such as residential areas, shopping mall gates, and office building gates. Interested customers can introduce them in detail on-site and Leave a contact number;

You can also choose to print a parking card, go to a parking lot and other places to insert the parking card in the car, so that the car owner will usually leave the card.

After adding friends, tell them your purpose of coming in a nonchalant way. If necessary, it is best. If there is no need, don’t say too much. If you can make customers keep you in their circle of friends, it is a success. These potential customers can be maintained through different follow-up methods.

One is to go to relevant public accounts and join their official groups. There are relatively few people in this type of group who actually have money to support themselves, and there are many people who have no money and are enthusiastic about it, so the potential is huge. The second method is to find people in your circle of friends who like these things and ask them to help invite them to join the group. After joining the group, all you have to do is to stay active. In this kind of group, there are two types of people: respect and love, and the knowledge in the group The knowledgeable and the one who loves giving out red envelopes. You must do some basic skills well to make people feel deep, thereby increasing others' trust in you, so that there will be no shortage of people adding you as friends. After all, red envelopes are just an auxiliary. Red envelopes can enhance your presence and voice.

Where to find loan customers

Loan customers can be found through different ways, offline: sending them under the office building, calling the finance department of each company, and going to the community to make announcements. , Go to professional markets such as wholesale markets, agricultural products markets, and electronic markets for publicity and local promotion.

Online:

Telemarketing: Obtain customer resources through real estate agencies, banks, and automobile 4S stores for telemarketing.

Classified information websites: 58.com, Ganji.com, Baixing.com and other information distribution platforms publish information for search.

Social platforms: WeChat Moments, etc.

In addition, there are mainstream video APPs, advertisements, etc.

The borrower needs to meet certain conditions when issuing a loan. For example, when applying for a personal loan, you need to submit a valid identity certificate, bank statement, work certificate, loan application, etc. After submission, the bank will review it and pass it. You can get the loan later.

When individuals apply for a loan, they can choose equal principal or equal principal and interest repayment methods. Generally, the decision is based on their own income. If the personal income is relatively high, they can choose equal principal. If the personal income is relatively small, they can choose equal principal. The principal and interest can be returned in advance after applying for the loan.

Individual users must return the loan on time after applying for the loan, and overdue repayment is not allowed. Because there will be penalty interest after the expiration date, the longer the time, the more the penalty interest will be. Moreover, the bank will collect money after it is overdue, and at the same time, the overdue record will be uploaded to the credit report center, causing the personal credit report to become bad and affecting subsequent loan applications again.

That’s it for the introduction to loan customer acquisition.