How to find the phone number of a credit loan customer

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.

How to find accurate customers for loans

First, telemarketing.

The loan accurate customer resource designation app captures accurate customer resources with high efficiency and high conversion rate.

A traditional channel of credit exhibition industry has been relatively prosperous. The credit manager called to find customers who needed loans.

Second, the network obtains customers.

Publish personal related credit business online, leave your own contact information, and I will contact you actively if there is a loan demand.

Third, the traditional outdoor exhibition industry

Unfamiliar visits are an extremely hard channel for the credit exhibition industry, which requires credit managers to visit strangers door to door and ask about loan needs one by one. In this way, the credit manager can provide face-to-face service for customers and sign the bill in time. Compared with a strange visit, setting up a stall is a relatively easy credit display channel. Credit managers only need to set up simple booths in communities, parks, squares and large supermarkets.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest:

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

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.

I am in the loan business. What channel is better to find customers?

1, understand the business scope of the company and fully understand the company's business in order to better communicate with customers and gain their trust;

2. Understand the structure of the company's existing sales team, and analyze your own market circle according to other people's experience and your own actual situation;

3, do a good job in goal planning, performance task decomposition, do not blindly find customers in order to find customers;

4. Understand the area of your city and find the target customers;

5. Serve every customer sincerely, don't rush for success, be down-to-earth, and do your own reputation.

Ten channels to develop new customers

1. From people you know.

One with a circle, which is the quickest way for salespeople to make friends. One of your friends doesn't need your car, but are you sure you don't need your friend? Get to know them and you will meet many people. Tell people around you what you are doing, what your goal is, gain their understanding, and you will soon find your potential customers, because people around you will help you and are willing to help you.

2. With the help of professionals.

Most enterprises will form a group of novices and experienced veterans to work together and let the veterans train novices for a period of time. This enterprise tutor system works well all over the world. Through this system, the knowledge and experience of established enterprises are recognized, which is also helpful for the cultivation of novices. Of course, you can also entrust enterprises or other enterprises to help you find customers, which requires the support of enterprises. There are many kinds of agents and they can provide many kinds of services. You should seek a suitable agent according to your own strength and needs.

3. List provided by enterprises

If you serve a company, the company will get the best performance through the details of advertising and marketing. Many enterprises provide sales staff with performance lists. In order to be an excellent business master, you need to find your own potential customers from them. In this way, even if you get nothing from the list of enterprises, you are prepared. If you are always looking for potential customers, you will encounter the least setback and make great strides.

Check the list of past customers, and you will not only get future business, but also get the business recommended by them.

4. Develop business contacts

Whether you are new to sales or not, you may be selling. Business contact is easier than social contact. With the help of contacts, you will make business contacts faster. Not only the people you know in the business world, but also the government functional management departments, associations, driver training schools, clubs and other industry organizations, which bring you a huge group of potential customers.

5. Know a salesperson like you.

You have met many people, including salespeople like you. Well-trained salespeople sent by other enterprises are familiar with the characteristics of customers. As long as they are not your competitors, they will generally make friends with you. Even if they are competitors, you can become friends and get along well with them, and you will gain a lot of experience. The other party will remember you when they visit customers. If you have a suitable customer for them, you will definitely remember him. Not to mention the extra achievements, you have a very effective business partner.

6. Look for potential customers from automobile customers.

When the old car is about to be eliminated, the salesperson who contacts the customer in time wins. Make plans early and you will achieve fruitful results. Remember to get involved as soon as possible.

Step 7 read the newspaper

Perhaps the most effective tool for finding potential customers is the newspaper you put there every day. When reading, underline all the opportunities you find. Unless you do international trade, you may like to watch the local news, business and statement pages. The part that is beneficial to most people is the part that describes the life of ordinary people. It only takes a few days to learn to read newspapers. Once you start, you will be surprised to see a lot of valuable information. Pay attention to marking and recording. Take today's newspaper, read every front page news, and tick off the statements that are of certain commercial value to you. Just like an excellent salesperson tries to contact the relevant people, keep a copy for himself, and then send a short message: "I saw you on the news, I am doing business locally, and I hope to know you." I think you may need to have a copy of the news to share with friends and family. "And attach a business card. People like to appear in the news themselves, and they like to send copies of articles to relatives and friends who are not local. By providing this small service, you can get a lot of big business.

8, understand the technical personnel of vehicle service.

Other people in the enterprise will think of you when they hear valuable information. For example, someone in the finance department knows that the bank may buy a car, which is valuable information in sales. You can arrange a visit. Develop the habit of regularly checking the service and maintenance records of enterprises. Ask the customer service department how many consultation calls your customer has made. If it is repeated, you need to pay a return visit to them. Maybe they are in the growth stage, and you can help them win new services. Try to provide services beyond those provided by ordinary salespeople, which will help you establish long-term relationships, establish credibility and get recommended business.

How to find customer resources that need loans online?

1. It is also the easiest to release information through 58 cities, so that customers in need can come to you.

2. Add some qq-related groups and publish information.

In the past, the predecessors sent a sentence, you have to have a strong network in the financial and commercial industries. If you don't have it, you must have strong skills. If you don't have it, you must have strong diligence. If you don't have it, you will have nothing. * * * Encourage

Where can I find customer resources for loans?

Cooperative organizations, customer service groups and public resources.

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

1. Through their own customer base: For some loan companies, they can obtain loan customers from their own customer base. For example, banks can get loan customers from their own savings customers, and trust companies can get loan customers from their 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 real estate agents to obtain loan customers from the intermediary's customer base.

3. Online channels: online channels can be used to obtain loan customers. For example, you can carry out loan business on the online platform and accept online applications.

4. Public resources: loan customers can be obtained from public resources. For example, we can obtain loan customer information from government departments and industry associations.

Generally speaking, there is not a single channel to obtain loan customers. We can choose the appropriate channel to obtain customer resources according to the actual situation.