How to write a letter to a loan customer

Letter is a tool for social communication and a personal creative activity. Banks will also write letters to thank their loan customers. Below I have compiled a sample letter to a loan customer for your reference!

A sample letter to a loan customer Part 1

Comrades of all loan officers:

Hello everyone!

Our bank currently has 45 business outlets and more than 420 cadres and employees. It is the banking industry with the widest distribution of outlets, the largest number of employees, and the largest deposit and loan scale in the entire banner. financial institutions. Over the years, all loan officers under our jurisdiction have adhered to the business direction of serving "rural areas, agriculture, farmers" and shareholders, with the purpose of promoting agricultural efficiency, increasing farmers' income, and prospering the rural economy, and providing all farmers and herdsmen friends with services. The high-quality, fast, accurate and efficient credit services have won the trust and support of friends from all walks of life. The loan business has developed steadily and rapidly, and has truly become a bank for farmers and herdsmen to get rich, a community industrial bank, and a bank for local people.

Standing at a new historical starting point, carrying the achievements and expectations of generations of people who have worked hard and selflessly, and facing the new tasks brought to us by the new financial development situation, you must uphold and develop? With the business philosophy of , innovation, pragmatism and trustworthiness, we will create a team of loan officers with a fast pace, high efficiency and a positive atmosphere, and truly assume the following responsibilities:

1. As a loan officer, you have Obligation to conscientiously implement financial regulations and policies, master the relevant systems, principles and business operating procedures of credit policies, and follow the principles of safety, liquidity, and efficiency. Be serious and responsible, adhere to principles, resist unhealthy tendencies, do not use power for personal gain, do not use loans for personal gain, firmly establish the spirit of dedication and love for the job and correct professional ethics, and have a certain sense of professionalism and responsibility in credit work.

2. As loan officers, you have the obligation to vigorously organize deposits, actively absorb farmers' savings, and strive to complete the deposit, loan collection, and interest collection tasks assigned by the head office.

3. As a loan officer, you are obliged to prepare a credit plan, handle credit business, regularly analyze the operating conditions of the borrowers, master and apply loan feasibility analysis methods, and write loan proposals for large loans. Investigation report or evaluation report. Adhere to the "three checks" system and ensure loan conditions, quotas and procedural review.

4. As a loan officer, you are obliged to accept the customer's loan application and strictly review the loan, investigate the customer's credit standing and ability to repay the loan, and review the legality of the loan contract, contract and related guarantees and mortgages. sex.

5. As loan officers, you are obliged to keep abreast of the operations and changes of loan customers, check whether the use of credit funds complies with regulations, notify borrowers to repay loan principal and interest on time, and collect and accumulate borrowed money. We will collect the relevant information of the borrower, process the borrower's application for early repayment or extension, prevent loan risks, and ensure the safety of credit funds.

6. As a loan officer, you are obliged to actively clear overdue loans and non-performing loans that are job responsibilities, and strive to complete the clearing and revitalization tasks assigned by the head office.

7. As a loan officer, you are obliged to strictly implement the interest rate policy, implement all kinds of loans according to standards, insist on quarterly interest settlement on loans, and pay off the interest along with the principal.

8. As a loan officer, you are obliged to standardize the management of credit files, establish loan files that comply with regulations, and ensure that the content is complete, legal and effective.

9. As a loan officer, you are obliged to complete the temporary tasks assigned by the head office and leaders.

I hope you will be loyal to your career, establish the belief of selfless dedication to the cause, establish a diligent and pragmatic work style and the awareness of serving the people, work hard, and be proactive; I hope you will be dedicated to your job and cherish this job. Hard-earned work, do what you do, love what you do, strictly demand yourself in everything, and do every loan carefully; I hope everyone will abide by the law, conscientiously abide by national laws and regulations and social ethics, and strictly abide by various rules and regulations; I hope everyone will be honest Practice, firmly establish a sense of self-discipline, build a solid ideological and moral defense line, resist various temptations, and withstand various tests.

Make positive contributions to the improvement of the efficiency of the whole jurisdiction, the development of credit business and the construction of new countryside!

　XXX

Year, month, day

A letter to loan customers Letter Sample Part 2

Dear personal loan customers of China CITIC Bank Tianjin Branch:

Hello!

In order to meet the increasingly diverse needs of customers, our bank is We strive to build the business philosophy of "family wealth management" with the goal of allowing customers to enjoy the maximum growth of family wealth. For you, dear personal loan customers, we have specially designed and launched a financial IC platinum debit card product with higher security and stronger value-added functions? While maintaining ultra-high liquidity, funds can enjoy additional interest income.

CITIC HOME Card is a financial IC debit card customized by our bank for personal loan customers. Once you hold the card, you can obtain the VIP customer identity authentication of our bank and enjoy exclusive services for VIP customers. ?Zundaibao? is a supporting business linked to the personal loan limit customized by our bank. It allows family funds to enjoy additional interest income on the basis of current deposit interest: the total current deposit balance is less than 30,000 yuan. (including 30,000 yuan) is calculated based on the current interest rate; the portion from 30,000 yuan to 50,000 yuan (including 50,000 yuan) is calculated based on the difference between the one-year time deposit benchmark interest rate and the current demand deposit interest rate of our bank; 50,000 yuan The income above Yuan is calculated based on the difference between 120% of the one-year time deposit benchmark interest rate and the current demand deposit interest rate implemented by our bank. The specific calculation formula is as follows:

Total daily deposit balance (yuan) daily deduction yield

30,000 (exclusive) - 50,000 (inclusive) daily deduction yield = ( One-year time deposit benchmark interest rate - current demand deposit interest rate)/360

Daily deduction yield of more than 50,000 (exclusive) = (one-year time deposit benchmark interest rate? 1.2 - current execution Current deposit interest rate)/360

For Cundaibao customers, in addition to your own HOME card account, you can also associate up to 10 other current accounts. The total current deposit balance of these accounts and the main account Together, they are deemed to be deducted from the principal of the loan under the name of the main account holder, and the proceeds are shared in proportion to the amount of their current deposits to the total balance of current deposits in all accounts, and they are not responsible for repayment at the same time as the main account holder.

Take a loan customer with a loan of 500,000 yuan as an example. Assuming that the deposit bank customer is associated with two ordinary accounts, and the total current deposit balance of the customer’s main account and two associated accounts is also 500,000 yuan, then the loan Both customers and related account holders can enjoy the excess income brought by the deposit and loan business (as shown in the table below).

Current deposit principal, current deposit interest (yuan), total income from deposit and loan additional interest income

500,000 yuan 192.53 million (exclusive)-50,000: 20,000*(3% -0.385%)=5231925+14990.5=16915.5

50,000 (exclusive)-500,000: 450000*(3%*1.2-0.385%)

=14467.5

Subtotal: 523+14467.5=14990.5

Among them: Loan person: 300000*0.385%=115514990.5*(30/50)=8994.31155+8994.3=10149.3

30 Ten thousand yuan

Associated account one: 100000*0.385%=38514990.5*(10/50)=2998.1385+2998.1=3383.1

100,000 yuan

Associated account 2: 100000*0.385%=38514990.5*(10/50)=2998.1385+2998.1=3383.1

100,000 yuan

Note: Assume that the current interest rate is 0.385% and the one-year deposit interest rate is 3%, deposit period is one year.

You can go to our bank branches with the identity documents and corresponding bank cards of yourself and associated account holders (within 10) (personal loan customers must hold Home card).

XXX

Year, Month, Day

Sample Letter to Loan Customers Part 3

Dear Credit Elite Friends:

I am very happy to meet you again at the 3rd China Credit Elite Annual Meeting.

Unknowingly, we have gone through 2016 hand in hand again. It is no exaggeration to describe the feeling of this year as a roller coaster.

This year, the domestic economy continued to decline, and the L-shaped trend caused negative and pessimistic sentiments in the financial industry;

This year, P2P online lending and even the entire Internet financial industry were hit hard. Strict supervision, the haze still lingers;

This year, banks’ highly leveraged structured products have been restricted by the strictest new eight asset management regulations in history, and both banks and private equity institutions have been tightened supervision;< /p>

This year, the non-performing loan ratio of commercial banks has increased for 19 consecutive quarters, hitting a new high in the past seven years.

In the face of these difficulties and obstacles, you are like brave warriors, never afraid or retreating, step by step, through wind and rain, and steadfastly passed through many challenges.

As China’s largest credit distribution and service platform, your infinite power, your unremitting efforts, your sweat, and the considerable achievements you have contributed? Haodai See it in your eyes, feel warm in your heart.

In fact, your efforts and persistence are worthwhile and far-sighted. The long-term value and market space of the financial services industry are huge enough. The next ten or twenty years will be blue ocean opportunities, with the release of rigid demand and Consumption upgrading is the main theme of this industry, and some short-term "cold winter" will only scare away flies and starve cockroaches to death.

Credit work is ordinary, but this kind of ordinary service is indispensable!

Haodai always firmly believes that as a credit worker, you are crucial to the prosperity and credit of China’s financial industry. The future development of services and the upgrading of financial consumption by individuals and small and micro enterprises? You and the 1 million credit elites across the country are irreplaceable!

What you are directly facing may be daily, monthly, or annual loans. Task, but it is behind the hard work of you and millions of credit workers every day, every month, and every year that you have established unparalleled trust with hundreds of millions of customers! The importance of you helping customers who are short of money is just like Doctors help patients the same way. Your contribution is directly related to the life and happiness of countless ordinary people, to the financial resources of millions of small and micro enterprises, and to the health of China's economic micro-ecology!

What a great contribution!

20** is destined to be an extraordinary year. When we look back a few years later, how sad will we be?!

20** is destined to be an extremely difficult year, with capital in the cold winter The cold wind is raging in countless industries!

The year 201** is destined to be a year of great waves, and the elite will be reborn amidst the wind and rain!

As a leader in the Internet + financial services industry Veterans, I know how heavy and difficult it is to make every step forward in a year like this, but I believe that every credit elite will overcome many difficulties and achieve impressive results because of their sincere love for the credit industry. and responsibility!

This is the worst of times, but also the best of times!

I have seen many credit workers facing extremely severe environments and challenges. They did not blame others, they did not lose faith and confidence, so 2016 became their best era, and they achieved a record high in performance!

While I was moved by such an ordinary and great credit spirit, It has also strengthened our confidence. I am extremely determined to achieve the leap from customer to partner with millions of credit workers, continuously improve the professional and comprehensive service content and quality of Haodai.com, and help credit elites reach new heights in their career development! < /p>

Since the Second China Credit Elite Annual Meeting in 2015, we have been working hard to arm more than 500,000 credit elites across the country with "self-finance" concepts and products, adapt to the Internet+ together, and use Haodai.com services as our core Based on this, we reconstruct the credit industry chain connection service process of seeking orders, rejecting orders, and completing orders. Under the guidance of Internet + thinking, we rebuild the relationship with customers and realize the relationship between drivers and passengers like those established by Uber and Didi tools. relationship between.

After years of deep cultivation in the industry, Haodai has accumulated countless successful cases in the industry, and like its comrades, it has witnessed the career development journey of the majority of credit elites. Many credit elites have told us that their brilliant achievements are inseparable from Haoda's "self-financing" model. If they hesitate to move forward in the traditional credit model, they may have been eliminated by the industry.

Now, greater development opportunities are coming!

In order to enable credit workers to more actively and effectively improve their professional capabilities in this Internet era, Haodai.com has established a strong presence in the industry Entering the new revolution of Internet + finance, we will combine various online and offline resources to wholeheartedly upgrade and create a "full financial" service ecosystem.

In the future, Haodai is willing to build China's largest full-financial distribution and service platform in line with the context of consumption upgrading, and achieve efficient, professional and intelligent distribution of credit, insurance, securities, bonds, and asset securities. Distribution and services of a full range of financial products such as

In the future, millions of credit workers will not only be middlemen in the credit field, but will also be responsible for the docking and digestion of all financial product transactions in China.

Maybe you haven’t seen the future clearly yet, but Haodao has already made preparations and taken action.

Here, we look forward to more and more forward-looking credit elites joining the Haodai financial platform, who can independently provide a variety of financial services without relying on any institution, and make themselves a career again. At the top, become a "special force" in the financial industry.

Haodai is willing to work with credit elites to practice every step of reform and innovation in China's financial industry and witness the prosperous and orderly development of China's financial market.

The financial market is so big that there are many gold mines hidden deep inside. Haodao will become the most trustworthy "gold-finding secret" in the hands of credit elites.

On December 17th, Beijing Hotel, the 3rd China Credit Elite Annual Meeting, are you ready to dig gold mines with Haodai?

Founder and CEO of Haodai.com President Li Mingshun

November 7, 20**