1. How to develop loan customers

1. How to acquire customers for novices

The following is of no use, search on Baidu, Loanshen.

Distribution is a relatively low-cost method of developing customers. The first step is to find a densely populated area, and then distribute information such as the amount, term, interest rate, and loan conditions of the loan product to passers-by. Although distribution will incur a certain fee, once someone inquires, the signing success rate is very high.

2. Peer introduction

In actual work, not every loan customer is suitable for you. Many times, orders that peers cannot complete will be shared with other loan officers, so Sharing customers with peers has become an essential way to develop customers. Accumulate industry contacts and form your own circle of business friends to develop customers efficiently.

3. Make a lot of phone calls

Most salesmen in the loan industry were engaged in telephone sales at the beginning. The customer list provided by the company is often used by many people. I have called you many times, or the customer has already received a loan successfully, so if you want to get potential customers by calling, you need to make a lot of calls. The more calls you make, there will always be one or two potential customers. The loan salesperson needs to be able to persevere and withstand the pressure, which is half the battle.

2. Expert methods for acquiring customers

1. Cross-industry alliance

Inter-industry alliance is to aggregate resources from different industries to achieve win-win and multi-win results sales model. If you want to develop more customers, you cannot limit your sights to the loan industry. Salespeople in industries related to the loan industry, such as banks, securities companies, insurance, funds, futures, foreign exchange, crude oil, gold and other related industries, usually come into contact with people who deal with money, so within their circles, there are extremely There may be customers who need loans. In addition, some industries that often require loans, such as real estate, automobile industry, etc., due to the huge transaction amount, most customers need loans, so our loan salespersons will know more about these industries. Will the sales staff be of great help in broadening your loan customer base?

2. Introduction to old customers

Ask loan officers how to develop customers. Many of them rely on introductions from old customers. To maintain a good relationship with old customers, it is best to keep in touch after the order is completed, make follow-up calls, or send holiday blessing text messages, etc. If your relationship with old customers is good, old customers may recommend new customers to you. Since it is an introduction from an old customer, the order completion rate is generally very high.

3. Use professional customer acquisition platforms

In addition to traditional offline customer acquisition methods, loan officers can also develop customers through Internet customer acquisition platforms. The characteristics of the Internet platform for acquiring customers are: low cost, no geographical restrictions, and 24-hour customer acquisition. The efficiency is very high, and the customers are all customers with loan intentions. The accuracy is relatively high, which greatly improves the speed of loan clerks signing orders.

2. How do bank account managers of Rural Commercial Bank generally do business?

The main business of the account manager of the Rural Commercial Bank is:

Attracting corporate and individual customers to the bank to handle deposits, loans, credit cards, etc.;

Various Provide financial management and investment services to customers, maintain good contact and services with customers, and maintain customer volume and banking business volume.

Meet the various account management, payment and settlement requirements of customers (the company's financial personnel are the direct customers), and help solve them.

No strong professional knowledge is required, just being able to cope with the exams in the industry is enough. As long as you're friendly, speak truthfully, be funny, and know how to deal with people both inside and outside the industry, you'll be fine. If you can communicate smoothly with customers, counter sales staff, and leaders, you will be competent.

Indicators such as deposits and loans are achieved through original customers, family background, or assignments in the industry. It’s almost impossible to pioneer on your own.

3. How to develop new customers through telephone sales?

It is very difficult to do telemarketing nowadays

4. How to develop customers through credit telephone sales?

It’s better to learn more practical things from the forum of Daiishenba. Don’t read the following content, it’s useless.

Sales Credit Telephone Sales How should a new financial loan officer develop customers? The new loan officer has just joined the job a few days ago. The company currently requires the loan officer to only do telemarketing. He just blindly calls customers every day to ask if they need a loan. I feel that there are not many customers who need it at the end of the day? I I heard that there is a saying that sales is selling your product to customers who just need it. I thought about handing out business cards around the bank to promote my business, but the company didn’t allow it. After doing this for a few days, I felt that it was difficult to develop customers through telemarketing. I talked with a few potential customers on the phone and made an appointment to come to the company for a detailed discussion, but none of them came. Come here? Show all followers 62 Views 34,423 Follow questions Write answers Invite to answer good questions 1 comment Share Log in, more exciting content is waiting for you to discover Contribute wonderful answers, participate in comments Interaction Log in to view all 12 answers Anonymous user 24 people agreed To answer this question, I have been working in the credit industry for nearly 10 years. Let me answer this question. I basically entered the credit industry when it first started. At its peak, it was really exciting. It was easy to make money. I didn’t even have to find clients. I was so busy just picking clients. But it is no longer the same. There are dozens of credit companies in each city, and there are more credit advertisements on the street than real estate agency advertisements. Without further ado, let’s talk about some of the more effective ways to attract customers at present. Effective business development requires moving from blindness to precision, and then from precision to diffusion (transfer of orders, referrals). 1. Basic business development. The most traditional method is sweeping buildings and streets, and inserting banners into cars. Although the method is clumsy, it has endured for a long time because it is effective. The effect is slow, but the best is stability. At least when you don’t have a good method, basic business development will give you hope. 2. Telemarketing depends on the company’s data sources and accuracy, which determines whether the effect is good or bad. Many companies still use dialers to dial all the mobile phone numbers in a city one by one. Nowadays, the control of harassing calls is stricter than before. It is not clear how effective this method is now. 3. In this industry, you will often encounter competitors. Newbies will often destroy their competitors’ advertisements. In fact, there is no need to do this. You destroy his, and he destroys yours. Retaliation is meaningless. You can try to establish cooperation. You can transfer orders to each other, wouldn't it be better? 4. Cross-bank cooperation means talking about cooperation and replacement. Negotiate cooperation with some small supermarkets, real estate companies, etc. If we have customers, we can share the profits. 5. Online order-taking apps are not highly recommended. There are many platform apps and websites now, but the value is not too great. A lot of information has been sold many times, or the qualifications are extremely poor. There is also a lot of false information out there that is very expensive, so you can try it, but don’t rely on this method. That’s about it. Of course, you can extend it to many other skills. If you do it to the extreme at any point, it won’t be bad. If you want to be a good loan officer, it will test your business, and it will also test you as a person. However, it is necessary to remind that the current credit industry has begun to change. With the rise of online loans, the traditional credit model is facing a trend of being eliminated. Because online lending is cheaper and more efficient for credit companies, credit managers are likely to become a marginal industry in the future. Take me for example. I started switching to online lending at the beginning of last year, and my income has doubled several times, and I don’t have to run around and prepare various materials. These are all advantages. Online loans are purely online, and the authentication information is very simple, such as address book, sesame points, etc., and you can do it all on your mobile phone. Of course, there are many ways to choose different opportunities for customers with different qualifications, and how to optimize customer qualifications. . If you want to get started quickly, you can go to the WeChat official account of the Wallet Alliance. It is not difficult to study the relevant knowledge seriously. You can communicate with veterans in the group for advice and you can get started easily. Even if you don’t have any experience, you can get started quickly. If you have experience as a loan officer, you can do it boldly without any pressure (you can do both at the beginning, but you will become addicted if you do it). What I say about online loan rankings I have the final say, I usually charge 15 or 20. It’s up to you to decide. It’s all yours, and there’s no risk of overdue collection. Doing two or three orders a month may exceed your monthly salary. Ping An and CreditEase have begun to vigorously develop their online businesses. Why? This is obviously a plan to eliminate credit managers! Let’s all think more about it. The industry is changing and if you can't keep up, you will be eliminated.