1

Find some effective phone numbers through your own channels, make strange phone calls, conduct telemarketing, and introduce yourself as a lender by phone. Pay attention to polite language when making a phone call, and don't disturb others when they are resting.

2

Send messages in groups by mobile phone, edit short messages in advance for your business, send them to others in groups, and spread the net widely.

three

Go to the street, go to crowded places, and send out your company's publicity pages. Remember to leave your phone number on it. Remove the company number so that others can contact you directly if they need it.

four

By going to some office buildings, office buildings, residential quarters and other places, we will promote our business by sweeping the buildings.

five

Cooperate with some parking lots. And hang their own business billboards and their contact information in parking lots and other places.

six

Start the circle of friends and classmates around you and let them introduce you. If you succeed, you can give some benefits to your friends and classmates, please eat and so on. In your own way.

seven

Cooperate with classmates from other companies. For example, if a person doesn't have enough money to borrow from other companies, he can go to his own company to refinance through the introduction of fellow salesmen, and then return the commission to the introducer.

eight

Promote business through self-media promotion, such as Weibo, WeChat, QQ Space, QQ and other channels.

nine

The other is to serve the well-developed customers and make secondary sales in the future.

2. What does the ratio of sales to loans mean?

The ratio of sales to loans is the ratio of sales to loans. The ratio of sales revenue to loans is an important indicator for banking financial institutions to measure the solvency of enterprises. The total amount of working capital loans generally does not exceed 30% of sales revenue. More sales and less loans indicate that enterprises are better. Consumer loans, also known as consumer loans, mainly refer to personal loans for studying abroad, decorating houses, buying durable goods or even buying a car. In terms of types, consumer loans include residential mortgage loans, non-housing loans and credit card loans. Banks and CreditEase, these formal channels, usually have consumer credit business, you can simply understand the composition period, compared with credit cards, the amount will be much larger.

Third, how to do a good job in loan marketing

The essence of sales: turn customers' objections into reasons for customers to buy. Therefore, dealing with customer objections is the most basic and direct method of success. Nine closing methods to eliminate customer objections: 1. The customer said, think about it. A: Mr. so-and-so, you should think about it. You must be very interested in our products. I mean, you don't want to think about it, so you avoid me. Therefore, I can assume that you will seriously consider our products, right? Mr. so-and-so, I didn't explain clearly just now. You said you should think about it. Mr. so-and-so, seriously, could it be the money? 2. The customer said: It's too expensive. How much is it? How many years can this product last? Calculated by xx years, what is the actual daily investment per month and week, and can you get it for every xx money? ! ? ! ? ! 3. The customer said: The market is depressed. Mr. XXX understood a truth many years ago: when others sell, the winner buys; When others buy, the winner sells. Many people are talking about the market depression these days, but in our company, we decided not to let the depression bother us. Because many very successful people today have established the foundation of their success during the economic recession. They made a purchase decision and succeeded. Of course, they must be willing to make such a decision. Today, you have the same opportunity to make the same decision. Would you? 4. The customer said, wait a minute (delay). A famous general once said that delaying decision-making wastes more time and money, manpower and material resources than making wrong decisions. What we are discussing today is a decision, right? What if you say buy? You say no, tomorrow will be the same as today, and nothing will change. Of course, if you want more, please fill out the "Confirmation Form". 5. Customer: Can you make it cheaper? Mr. so-and-so, sometimes it is not entirely wise to use price to guide us to make decisions. Will you invest too much in a product? But too little investment also has its problems. If you invest too much, you will lose some money, but if you invest too little, you will pay more. Because the products you buy can't meet the delivery date, it is a truth that we rarely have the opportunity to buy the best quality products with very little money in this world. 6. The customer said: It's cheaper elsewhere. Mr. XXX, that may be true. After all, the company wants to buy the best quality goods with the least money. When making a purchase decision, most people usually do three things: the first is the quality of the product, the second is the price of the product, and the third is the after-sales service of the product. But I have never found that company can provide the best quality products and the best after-sales service at the lowest price. Which of these two projects would you choose for your happiness? Are you willing to sacrifice the quality of your products? Are you willing to sacrifice our good after-sales service? Mr. XXX, sometimes we can get the products we really want with a little more investment. Is it worthwhile? 7. The customer said: No budget (no money). Mr XXX, I can understand all this. A well-managed enterprise needs a careful budget. Budget is an important tool to help companies achieve their goals. But the tool itself must be flexible, right? If there is a product that can help your company improve its performance and increase its profits, Mr. XX, will you let the budget control you today or adjust the budget? 8. The customer said: Is it really worth that much money? Mr. XX, many years ago, I found that the value of a perfect test is to see if it can stand the test of 10 times. If you may invest in houses, cars, jewelry and other things that give you pleasure, but after owning it for a period of time, can you answer this question for sure? Are you willing to pay 10 times more money and have it now? For example, if you spend money on health consultation to improve your physical condition, or if you do image design to enhance your self-confidence and increase your income, then what you pay is worth it. In daily life, we will pay 10 times the price of some products for our own changes. 9. The customer said: No, I don't want Mr. XX. There are many salesmen in the world, and there are many reasons for you to accept their products. Of course you can refuse him. In my industry, my experience tells me an irresistible fact: no one can say no to me. When he said no to me, he just said no to his future happiness. Mr. XX, if there is a product that your customers like very much and want to own very much, will you let them say no to you because of a little problem? So, Mr XXX, I won't let you say no to me today.

Fourth, how to do a good job in loan marketing

1. The new loan regulations are published on 10. Since the implementation of the new loan regulations, the loan management of rural credit cooperatives has been further standardized, and the loan issuance has been policy-oriented. At the same time, the collection and arrangement of loan information suddenly became complicated, which made it difficult for some customers to meet the standard requirements, reduced the efficiency and success rate of credit cooperatives, and even caused disharmony between customers and credit cooperatives, mainly because credit cooperatives did not publicize the "new regulations" in place and customers did not understand the "new regulations", resulting in a passive situation for credit cooperatives to implement the "new regulations". Second, the marketing personnel are unprofessional and of low quality. Marketers lack positive marketing ideas and long-term planning. Credit professional knowledge is obviously lacking, and the level of loan risk management and control is not high. The account manager "shouldered the heavy burden" and the new loan regulations were not communicated in place. Indifferent consciousness. Lenders and loan approvers are worried that borrowers will not keep their promises, and they lack the consciousness of active marketing in the thought of "being afraid of lending" and "being afraid of lending", which leads to the loss of customers. With the support of commercial banks and postal savings banks, the cheaper interest rate advantage has caused the loss of major customers and gold customers of rural credit cooperatives. Commercial banks use their own new products or special services suitable for county enterprises, and credit cooperatives feel that business preparation is insufficient. Constrained by the capital system, the loan ratio of credit cooperatives to single-family and related customers is limited, and credit cannot be granted to large customers, which seriously restricts the expansion of credit cooperatives' business. Fifth, the loan marketing assessment and incentive mechanism is not perfect. The assessment of marketing personnel is general, and marketing personnel lack the enthusiasm of loan marketing. At the same time, the assessment indicators of risk prevention and control are not scientific and objective enough, and the assessment of credit asset safety indicators is somewhat one-sided. Sixth, the internal management mechanism is not scientific enough. With the standardization of credit business of credit cooperatives, the loan process and operation tend to be strict, but credit cooperatives are not suitable for customers at present. Some thoughts on loan marketing: gradually improve the credit management channels in loan marketing, mainly to develop loan varieties suitable for market demand, so that loan varieties cover all levels and meet the dialectical relationship between market demand and risk. In order to strengthen the market premise, improve the credit risk prevention mechanism, formulate a scientific accountability system, pay attention to distinguish illegal lending, decision-making mistakes, natural disasters and market changes, determine the corresponding responsibility standards, implement the integration of loan responsibility and exemption, and fully mobilize and improve the enthusiasm of loan marketers. The third is to formulate a scientific and convenient loan operation process. Innovate loan varieties according to local conditions. First, loan varieties should have their own characteristics, not different varieties without qualitative differences. Different types of loans should have a variety of single functions in terms of term, interest rate, preferential degree, etc., and cannot copy the loan varieties developed by ready-made products of other banks to meet and suit different loan projects, such as "civil servant consumption loans" and "individual industrial and commercial households' joint guarantee loans". Strengthening the marketing training of the team is to carry out various training courses on loan marketing, improve the marketing skills of employees, and truly change the loan marketing work from seasonality to beneficial loan management, and from passivity to initiative. The second is to improve the quality of loan marketers. Through professional ethics education, ideal pursuit education and financial laws and regulations education, improve the professional ethics and ideological level of marketing personnel, and improve their initiative and creativity. Improve the assessment and incentive mechanism, and enhance the work initiative of marketing personnel. First, establish a marketing assessment mechanism corresponding to rights, responsibilities and interests, and assess marketing personnel scientifically. Second, to overcome the fear of loans, we should cut off the loan stock from the incremental old and new, and reasonably determine a risk degree according to the actual situation. Where loans are issued in strict accordance with the credit principle and procedures, personal work responsibility will only be investigated for losses caused by risks. The third is to allocate tasks reasonably according to the characteristics of the environment and personnel, and the task allocation and assessment should be scientific and reasonable. The fourth is to establish a risk margin system for account managers. According to the loan marketing and interest income, certain risk protection funds are extracted to solve the non-performing loans issued by account managers, or to reward account managers and safeguard their certain economic interests. Optimize the marketing environment and build a loan marketing platform. First, establish a customer information management system for marketing loans, so that credit marketers can fully understand the information of target markets and target customers. The second is to improve work efficiency and reduce the loan cost of borrowers. Formulate the accountability system for the examination and approval of marketing loans, adhere to the twice-weekly loan examination and approval system, and overcome the phenomenon of dragging, blocking and pressing loans. Third, coordinate and strive for various preferential policies of various administrative departments or units on loan registration fees, reduce customer financing costs, and promote the rapid growth of loan marketing.