First of all, loan officers need strong diplomatic skills and extensive contacts, otherwise it will be difficult to do so.

When someone's loan to the bank expires, the bank will remove the skills of the loan officer.

Generally speaking, there are two kinds of salesmen (loan officers), one is enterprise salesmen, that is, they go to enterprises and companies to do business.

One is a loan.

In addition, the bank will certainly give you a desk, but you mainly have to run outside. If there is, it will be very difficult. Because every salesman has indicators.

Second, how do microfinance officers operate their business?

Microfinance officers are mainly looking for prospective customers, which can be achieved through the following channels:

A network mode:

1. Network publicity, home page, platform release.

2. Information publicity and release of network platforms such as local information ports.

3. Find customers in need on the loan website (Rong 360. Haodai.com, Loan.com, Andai.com, etc. ).

4. Group email promotion

5. Publicity and other network contact information in various industry groups.

6. Hometown network group and hometown gathering, development zone real estate group.

7. Search friends near QQ and send messages for publicity.

8. Follow-up: Sign your own name.

9. WeChat drift bottle promotion

2. Advertising:

10. Pull banners in conspicuous places in the community.

1 1. Advertisements on community bulletin boards

12. Community setting up consultation points (setting stage)

13. Insert leaflets under the door of each residential area.

14. put leaflets in newspaper boxes in residential areas

15. Put leaflets when taking a taxi.

16. Communicate with shopkeepers and release publicity on their behalf.

17. Cooperate with Chache Beauty Shop to set up banners.

18. Cooperate with the owner of the car wash shop, and the successful customer can give small gifts.

19. Ask friends and relatives to help spread publicity in their social circles.

20. Friends have dinner, send business cards, and promote in industry forums.

2 1. Place business cards in restaurants, hotels and guesthouses.

22. Cable TV SMS advertising sales

23. Put inkjet advertisements outside the unit building.

24.

25. Advertise high-end barbershops in various venues.

26. Advertise on various blessing products on holidays.

27. Make small public service advertisements in public toilets.

28. Make a small advertisement at the newsstand.

29. The lottery station can make a small advertisement.

30. Make some warning signs in public places.

3 1. Making a business card box in a taxi

32. Make the mouse pad into an advertisement and put it in the Internet cafe.

33. Use all kinds of resources to advertise, such as small supermarkets and small shops hanging billboards.

34. Advertising lighters and bus seat covers.

35. Advertising on Xiao Mo's car body.

36. Some leisure places make some billboards.

37. Put Yi Labao in front of the supermarket.

38. Three-dimensional advertisement at the entrance of the intermediary

39. Body advertisement

40. Make friends, make friends, and place orders at the wedding reception.

4 1. Go to places with heavy traffic and get in the car.

42. Newspaper and other media advertisements, (focusing on quality)

43. Negotiate with newspaper advertisers (newspaper folders)

44. Pull banners in your own home and relatives' home for publicity.

45. Visit the highway entrance and pull banners.

46. Make gift bags and shopping bags

Third, relying on social circles to introduce customers:

47. Pay attention to the return visit and maintenance of old customers.

48. Maintain good relations with bank staff.

49. Recommendations from customers and friends

50. Find business friends to introduce customers.

5 1. Introduction of insurance human resources

52. Introduction of real estate and automobile sales personnel.

You can ask customers to provide their company's address book.

54. People from insurance companies can enjoy resources when they are familiar with them.

55. Enjoy the resources of the securities financial circle.

56. A business card shop should read business cards with the bottom.

57. Communicate and publicize with the company's finance.

Four electricity sales:

58. Find the customer's contact information through the friends of the network company for telemarketing.

59. Find the boss's contact information on Dangdang and other online sales platforms for telemarketing.

60. We can sell a list of power owners of some residential properties.

6 1. Prime time for selling electricity 10: 00- 165438+ 0: 30 pm15: 00-17: 30 pm.

62. The membership list of the gym is on sale.

63. The telephone number in the job advertisement can be used as a telemarketing list.

64. The list of high-quality personnel in education and training institutions was sold by electricity.

65. Decorate the city and find the list of customers for sale.

Five strangers:

66. Introduce yourself more and explore my resources.

67. Look for business information in newspapers and other media for interviews.

68. Pay attention to the transfer of real estate and ignore the recruitment information of merchants.

69. The residential property and real estate agent should contact the owner for publicity.

70. Ask yourself to talk to strangers every day.

7 1. Sweep the wholesale market

72. Sweep through industrial parks

73. Sweep the street (when you have patience, such as rainy days)

74. Sweep the processing plants in the town.

75. Exhibition around the bus station

76. Promotion of automobile drivers' associations

77. Company receptions and various publicity and exhibition banquets.

78. All payment points are strangers.

Six dispatches:

79. Go to the office building to publicize the dispatch at noon.

note:

Unsecured/credit loan

(1) The borrower does not need to provide guarantee for the loan issued by the borrower's credit.

(2) It is characterized in that the debtor can obtain a loan only by his own credit 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 meet the requirements of the General Principles of Loans and banking regulations.

Third, is the salesman easy to do?

No matter what business you do, the income of different people varies greatly. If you do it well, buying a house and a car for several months can't satisfy the basic life. For more information, please refer to the following:

1, Company: Different companies, of course, the salaries of salesmen are also different. In addition to the wage payment ratio, it is also closely related to the strength and reputation of the company. Why so many people like to go to big companies is because it is relatively easy to do business in big companies, and it is said that it is good to enjoy the cool with your back against big trees.

2. commission: the salary of the company's salesmen mainly depends on commission. Generally speaking, it is charged at 1.5% to 4% of the loan. How much money you can earn depends on your ability.

3. Handling fee: This should be regarded as the gray income of business personnel. Some directly charge customers a handling fee. As for how much they can collect, it depends on their ability and eloquence.

4, basic salary: the basic salary of business personnel is very low, if it is to earn a basic salary, it is not recommended to be a salesman, this piece is almost negligible.

Therefore, how much money the company's salesmen can earn depends on their diligence and ability. Some people can buy a car or a house, and some people can't even guarantee their basic life, so they have to jump ship. The difference in this number is very huge.

Fourth, how to run customers in microfinance business?

Which city do you run in? The situation in every city is different.