Looking for a loan * * * Signatory looking for a loan

How can credit find customers who need loans?

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

1, network platform to obtain resources: In the era of highly developed Internet, credit managers need to open up network channels to find customers. At present, there are many online platforms that can help credit managers find customers, and users can choose the platform that suits them.

2. Social media to find customers: Credit managers can promote their loan products and show their professional level through social media such as QQ and WeChat. With the accumulation of time, everyone can cultivate a group of their own old customers.

3. Set up a stall: Setting up a stall in a crowded place is a traditional way for credit managers to show their business. Although it is hard to set up a stall, the credit manager can communicate directly with customers face to face, get detailed information of customers and understand their specific needs.

Where can I find a loan customer?

Loan customers can be found through different channels, offline: office buildings, telephone companies' finance departments, publicity around the community, wholesale markets, agricultural products markets, electronic markets and other professional markets.

Online:

Telemarketing: telemarketing through real estate agents, banks and automobile 4S shops to obtain customer resources.

Classified information websites: Tongcheng, Jiji.com, Baixing.com and other 58 information publishing platforms publish information.

Social platforms: WeChat circle of friends, etc.

In addition, there are mainstream video apps and advertisements.

When issuing loans, borrowers need to meet certain conditions. For example, individuals need to submit valid identity certificates, bank accounts, work certificates, loan application forms, etc. When the loan is submitted, the bank will review it, and after it passes, the loan can be made.

When an individual applies for a loan, he can choose the repayment method of average capital or equal principal and interest, which is generally determined according to his own income. When his personal income is relatively large, he can choose the average capital. If his personal income is relatively small, he can choose the repayment method of equal principal and interest, and he can return it in advance after handling the loan.

Individual users must repay the loan on time after handling it, and there can be no overdue repayment. Because there will be penalty interest after the deadline, the longer the time, the more penalty interest. Moreover, after the overdue period, the bank will collect the overdue records and upload them to the credit information center, which will lead to the deterioration of personal credit information and affect the re-application of subsequent loans.

How to find someone who needs a loan?

1 high-end personal user traffic import

If we can import from the existing mature high-end customers, we can not only find customers effectively, but also roughly judge the operation of this enterprise from the running water and credit information of customers.

Through commercial organizations such as the Chamber of Commerce.

Organize or participate in the activities of some chambers of commerce regularly to find customers from the members of their chambers of commerce. The advantage of this practice is high efficiency, because the members of the chamber of commerce are often from the same industry or region, and they know each other better, from which they can get a general understanding of the business situation of the target. At the same time, many people who come to participate in the activities of banks and chambers of commerce are users who are willing to lend money, which can avoid futility.

3 existing inventory customer referral

It is to introduce existing credit customers through their partners, friends and other relationships, so as to intervene in potential willing customers. The advantage of this method is high efficiency, and the introduction is often willing. Moreover, considering the cooperative relationship, partners with goods are generally more reliable (for example, in their own downstream, who will pay the bill if you can't get the money back).

4. Highly concentrated market

For example, the wholesale market, which is similar to the previous chamber of commerce, is to go to large wholesale markets to develop users in batches. The advantages are high efficiency, batch development of existing customers and convenient approval.

5 Supply chain financing development

Develop its upstream and downstream customers through enterprises. For example, if there is a small manufacturing plant, there must be upstream suppliers and downstream sellers. Through the derived ERP data, a relatively accurate sales data model can be established for upstream suppliers and downstream distributors. Through this core enterprise, we can not only develop customers, but also effectively verify the sales amount.

6. Through the introduction of other financial institutions.

For example, some guarantee companies are not qualified for loans themselves, so sometimes they will introduce customers to cooperative banks. Therefore, we should maintain good relations with some powerful guarantee company marketing personnel.

7 other methods

For example, through the endorsement chain of bank acceptance bills, and so on.

Looking for customers who need loans can actually combine traditional methods with popular methods, as follows:

The traditional ways are:

Entrust others to find

If you want to know how to find customers who need loans, you can entrust others to find them. Generally speaking, loan officers can save a lot of time by entrusting others to collect customer resources for themselves in their own business fields or customer groups.

Old customers introduce new customers.

Loan officers will have a certain customer base if they run more business. If he has a good relationship with old customers, old customers will naturally bring potential customer resources to themselves. Of course, the premise of this is that loan sales are trusted by old customers, and many loan sales are looking for customer resources in this way.

Emerging ways are:

Third party platform

Weibo, WeChat and other new media spread.

New media such as Weibo or WeChat have the widest audience. Loan officers can introduce their products to users through them, improve the exposure of products, and also show their professional ability well.

What if there is no place to borrow money?

If you find that you can't get a loan from your family or friends, or you can't get a loan through financial institutions such as bank wealth management and credit cards, you can consider the following methods:

1. Find other channels: you can try to seek help through social welfare, government assistance or church.

2. Reduce expenses: You can find ways to reduce expenses, such as canceling unnecessary subscriptions, saving food and avoiding unnecessary travel. , in order to reduce expenses.

3. Increase your income: You can find other temporary jobs, or, for example, online sales, odd jobs, distribution, etc. To increase income.

4. For lending platforms: You can find some lending and P2P lending platforms. If you have a stable income and credit record, you may get a loan opportunity.

It should be noted that when looking for a loan, you must think carefully and don't make an irrational decision. Once a loan is made, it needs to be repaid in time to avoid the growing debt, which will affect the personal financial situation and credit history.

Where does Huaibei private lending generally go?

Private lending is generally found through acquaintances, local loan companies, online lending platforms and advertisements.

Way:

1, introduced by acquaintances

For all kinds of private lending organizations in the market, it is inevitable for Xiaobai, who has little experience in lending. At this time, it's best to find an acquaintance to introduce and help screen.

2. Local loan companies

Find a local registered address, a local legal person and a loan company that has operated for a certain number of years. If there is a follow-up judicial case, you can also appeal locally.

3. Online lending platform

If you use your mobile phone or computer to surf the Internet, you can also find a loan platform through the Internet. For online loans, we must be vigilant. Don't pay blindly until the money is paid, so as not to be fooled.

Step 4 advertise

Some small advertisements on telephone poles, toilets, small cards, televisions and web pages can also be used for reference, but they are risky and need special attention.

Private lending needs attention:

1, agreed legal interest

The interest rate shall not exceed four times the one-year LRP (loan market quoted interest rate) when the Contract is established, and the excess shall not be protected by law. The quoted interest rate in the loan market is calculated and published by the National Interbank Funding Center authorized by the People's Bank of China. LPR has a high degree of marketization and can fully reflect the supply and demand of funds in the credit market.

2. Writing of IOUs

The writing of IOUs should be standardized to ensure the integrity of the content. IOUs should include: borrower, purpose of borrowing, loan amount, loan interest rate, repayment time, liability for breach of contract, time to fill in IOUs, etc. The loan amount must be in uppercase Chinese characters to avoid tampering in the future. The loan must be filled in and signed by myself.

It is best to sign a written contract.

Due to the simplicity of IOUs, it is difficult to deal with them. Therefore, it is best to sign a written contract to clarify the rights and obligations of both parties and avoid unnecessary follow-up.

How can I find customers who need loans?

1, telesales

The most basic way to find customers: telemarketing. There are so many things in this field that I'm too lazy to talk about them.

First of all: pay attention to your target customers, including improving the quality of the customer list.

Second: Persevere, bravely contact customers, and achieve qualitative change through quantitative change. Insist on expanding customers every day. When the number of potential customers reaches 100, there will be orders. When the number of potential customers reaches 500, your sales will be very simple from now on.

Third, some online industry websites and B2B websites are all means to find potential customers. B2B websites, such as Alibaba and HC; Industry websites, such as machinery network and China Medical Device Network.

Step 2 put out

Get a list of potential customers through people around you, potential relationships, or participating in some offline activities, exhibitions, industry activities, etc. Exchange business cards more.

3, salesman mutual assistance

Establish contact with salesmen in this industry or other industries through offline and online (such as QQ). After mutual trust is formed, introduce customers to each other. Every salesman has more or less customers.

The core is sincerity, reciprocity and self-improvement. If you want others to introduce customers to you, you need to show sincerity first.

4. Introduction of old customers

Needless to say, this aspect and its significance. When your potential customers reach 500 and your actual customers reach 50, your sales will become much easier. One of the key points of the work is to maintain these customer relationships and let customers help introduce them. Pay attention to trust and reciprocity. Trust: You are a reliable and sincere person. Reciprocity: not only material aspects, but also other aspects.

5, learn practical tools, get twice the result with half the effort

Doing business can't just be hard work. Smart salesmen usually find some good tools to get twice the result with half the effort.

Recommend several categories: customer relationship management CRM software-such as UFIDA CRM and xtools；; Financing loan demand platform-the first financial financing city. Personal network management-skynet and personal network.

6. High-end contacts

Not much to say in this respect, more solid friends like this will be very helpful to business. But the core is that if you want to have strong high-end friends, you must also make yourself high-end.

This concludes the introduction of finding a loan and finding a loan signatory. I wonder if you found the information you need from it?