What is the loan sales channel?

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.

Third, the consumption scene

Consumer finance is the credit product that most depends on consumption scenarios, including food, clothing, housing, education, medical care and so on. Financial institutions can effectively acquire customers by virtue of the advantages of scene and digitalization. Integrating financial technology into traditional finance has brought opportunities and become one of the main areas in which financial institutions embrace financial technology. By building a business system group with micro-credit management system, payment platform system and credit information system as the core, supported by financial technology, and by means of dynamic integration of consumer finance and scenarios, business risks can be prevented and controlled, operating costs can be reduced, and customer service and experience can be improved.

Fourth, operator big data.

1, the high-quality customer acquisition method ensures the source of traffic. With the development of Internet and mobile intelligent terminals, people's basic living security can be solved online.

2. Obtain low-qualified and high-quality consumers, and use the precise delivery method of short messages to improve the intention rate of potential customers, reduce advertising expenses and improve the conversion rate.

What are the channels for SME loans?

1. Upstream and downstream channels: Small enterprises can seek loan opportunities from the upstream and downstream of the industrial chain. If you are a dealer of a well-known brand car, you can use the credit and guarantee of upstream manufacturers to obtain loans. If it is a material supplier of a leading enterprise, you can also use the order to go to the bank for order pledge.

2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and has successively introduced many preferential policies. Small business bureau and industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a loan project combining bank and securities, and some will provide guarantees for small business loans by setting up guarantee institutions.

3. Financial institutions: Loan information can be obtained from various commercial institutions, as well as from development zone management committees, chambers of commerce, and industry associations in development zones or science parks. Some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for their small business loans.

4. Local channels: If it is a member of a county-level industrial cluster or a local advantageous characteristic industry, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.

Extended data:

What are the loan methods for SMEs?

I. Comprehensive Credit Granting

In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

Second, the credit guarantee loan

In 3 1 provinces and cities, more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

Third, the project development loan

Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

Four, natural person secured loans

Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

Verb (abbreviation of verb) personal entrusted loan

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are:

The client applied for a loan from the bank.

Banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively.

The client meets the borrower directly to negotiate and make a decision on the loan amount, interest rate, loan term, repayment method and other specific matters and details.

After negotiating the requirements, the borrower and lender go to the bank together and sign the entrustment agreement with the bank respectively.

The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

Intransitive verb discount bill loan

Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.

Seven, pawn loans

Pawn is a kind of loan method that takes real objects as collateral and obtains temporary loans in the form of real object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. In fact, in addition to pawn shops, small loan service agencies, guarantee companies, companies and other institutions are also developing vehicle mortgage loans.

Eight. intellectual property

Intellectual property refers to the fact that small and medium-sized enterprises apply for financing from banks after evaluation with the legally owned patent rights, trademark rights and property rights in copyright. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally need the legal representative of the enterprise to take out insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.

Access channels for loan intermediary customers

Channels for loan intermediaries to obtain customers: make friends with practitioners in some industries, such as bank credit managers, loan company consultants, loan intermediaries, etc. Customer Group Analysis and Accurate Promotion How to Obtain from Loan Intermediaries Customers can find the appropriate applicable groups, advertisements, publicity and business cards according to your loan products.

First, the source of customers is pure sharing. To survive in the loan intermediary industry, a stable source of customers is the key. Although telemarketing is very traditional, it can convey the advantages of loan products to customers more intuitively when users have loan intentions. At the same time, telemarketing has the advantages of low customer acquisition cost and high customer acquisition rate, and it is the only way to get involved in every loan. However, it takes a lot of time to get customers by holding a list or blindly numbering paragraphs, which requires high personal ability. Some people can make a single call after two or three phone calls, and some people have not made a single deal for several days.

Second, it can be seen that in addition to relying on luck, we have to work hard to cultivate marketing and communication skills. For example, mass texting, posting small advertisements, plugging in cars and other ways to get customers will cost more than telemarketing, and usually short and accurate "advertising words" are feasible. In the industry exchange group organized by _ Wang Xiaojin, some senior people think that "SMS is the best way to get customers." Through platform promotion, it is not only easy to operate, but also can reach the speed of 200 pieces per second, and can push marketing products to customers' mobile phones as quickly as possible, with low requirements for personal ability. It is also more selective for customers. According to the reply information, accurate users can be effectively screened.

Third, through manual follow-up, the transaction rate is often high. The old customers with successful loans can be described as "rich in mines", and the loan intention customers around them are of relatively high quality and high single rate, which belong to high-value resources to be tapped. As a successful salesperson, it is one thing to get customers, and it is another to give full play to the maximum value of customers. Therefore, it is very important to maintain a good customer relationship. Usually, we should pay attention to maintaining personal image, paying attention to current affairs and politics, broadening our horizons and showing our personal charm in a timely manner. I believe that most loan intermediaries have tried the above methods to obtain customers, but the results are not satisfactory.

Fourth, the former Ministry of Industry and Information Technology, the Supreme People's Government and other departments 13 organized a nationwide special campaign to comprehensively rectify harassing telephone calls. The rectification work lasted for one and a half years (from July 20 18 to the end of February 20 19), and the financial telephone marketing behavior was strictly regulated: telephone monitoring or monitoring involving financial products such as loans and credit cards was established and improved. To use the information dissemination and publishing platform to illegally publish or send advertisements, or to publish or send illegal advertisements, measures such as deleting, shielding, disconnecting links and stopping transmission shall be taken to stop them. In other words, with the increasingly strict supervision, many traditional ways of obtaining customers are restricted because they are suspected of disturbing the people, and the loan intermediary exhibition industry will be hindered. Although SMS is one of the main incomes of domestic operators at present, mass SMS itself is not illegal.

What does the most common personal loan marketing channel of banks not include?

The most common personal loan marketing channels of banks do not include bank counter marketing. Bank marketing channels refer to various means to provide banking services and facilitate customers to use banking services, that is, the circulation channels for bank products and services to be transferred from banks to customers. The most common personal loan marketing channels of banks mainly include cooperative agency marketing, network agency marketing and e-banking marketing.

What are the eight sources of loan customers?

1. Telemarketing. Learn as much as possible about products, customers with spouses, and visit enterprises.

2. Introduction of acquaintances. Through intermediaries, institutions, proof of marital status and other materials, such as credit card sales staff, imagine one, where it comes from.

3. Household registration book, income certificate and customer ID card.

4. Small loan risk control personnel.

5. Offline exhibition industry

6. Online promotion

7. Offline projects

8. Bank lenders

I. Personal credit loans

Personal credit loans are RMB credit loans issued by banks and online lending platforms to customers with good credit standing without providing guarantee. When applying for personal credit loans on the online lending platform, you can generally apply directly online, and the specific handling process is subject to the requirements of the platform.

2. Bank credit loans

Bank credit loan is a bank credit loan specially issued by banks for working-class people with stable income. It is a personal credit loan for personal consumption based on their monthly salary income. No guarantee, no mortgage, your credit is the best loan pass.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and conform to the general principles of loans and bank regulations.

Conditions:

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have permanent residence or valid residence status in China; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

3. The bank's credit loan first requires the applicant to have a good credit record;

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

5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;

6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

7. Provide valid certificates recognized by the lending institution, which can provide true and effective relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

The introduction of loan sales channels ends here.