Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

The money can't be used for stock trading,

5. Other conditions required by the bank.

Processing flow:

1 Submit the application;

2. Prepare various materials required for the loan;

3, face-to-face signing silver

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Second, how to market small and medium-sized enterprises like inclusive finance?

Ways to expand inclusive finance:

1, do online advertising and brand promotion.

2. Develop offline teams, stores and branches, and recruit people for marketing.

3. Look for foreign cooperation channels and channel cooperation.

Third, how to be a small and micro account manager?

How to be a small and micro account manager?

The account manager is not only the representative of the relationship between the bank and its customers, but also the representative of the bank's external business. (Take the bank as an example) The responsibilities of the account manager include: fully understanding the needs of customers, selling products to them and soliciting business; At the same time, coordinate and organize all relevant professional departments and institutions of the Bank to provide all-round financial services to customers, and establish and maintain long-term close contact with customers on the premise of actively preventing financial risks. How to be a small and micro account manager? The following is what I have compiled for you about how to be a good manager of small and micro accounts. Welcome to read!

1. At present, most banks that make small and micro loans are learning the technology of German IPC. Simply put, this technology focuses on some financial factors of customers, and objectively reflects customers' repayment ability through three simple financial statements. Because the technology is easy to learn and use, banks don't need to recruit graduates majoring in finance to be loan officers, so I regret to tell the landlord that your professional background is not helpful for you to be a small and micro account manager. Therefore, I am happy to tell more friends with non-professional background that the small and micro account manager is not a special "professional" position, and usually can be successfully employed after several months of training.

2. Small and micro account managers belong to sales positions and need to deal with small and micro customers from all walks of life with low educational level, so they pay more attention to the basic qualities such as "affinity" and "communication ability" as salespeople, which will be considered emphatically in personnel recruitment and internal training. When recruiting, you will see whether you are an "easy-going" person through a few simple questions and your first impression, and your basic communication skills will be examined through "scenario simulation"

3. Small and micro account managers need to have basic data judgment ability, which is the actual need of future business. When recruiting, they will ask you a few random questions about data calculation. In the subsequent training period, you will cultivate your ability to quickly calculate inventory, sales and expenses according to specific customers, so as to quickly judge the repayment ability of customers in actual business operations.

4. Small and micro account managers should have strong professional ethics. What is professional ethics? It's just not so "road dependent". Micro credit is special. The key information that determines whether a customer can issue a loan requires a loan officer to make a field trip, which is basically "the loan officer has the final say". So the professional ethics of loan officers is very important. When recruiting, small and micro account managers choose newly graduated college students. These graduates are inexperienced and timid.

5. Small and micro account managers should have strong "marketing ability", and the performance of small and micro account managers is assessed by the number of transactions, so how to get a large number of customers has become the most concerned issue when you first joined the company. It is essential to visit strangers and sweep the streets with them. At this time, the most important thing is to insist that there is no other more advanced and effective way to market small and micro customers, so the landlord needs to work hard and accumulate in boring marketing.

6. Some netizens said that the core of small and micro enterprises lies in "business owners", so the key to investigating account managers lies in "business owners". There is nothing wrong with this sentence, but the author thinks it must not be used as his own working method. I can imagine that as a little boy who has just entered the society, his social experience basically comes from TV series, and he can play with those who are old-fashioned. Therefore, how to do the work should be completely in accordance with the operating procedures. Let him provide what he needs. Don't be smart and judge others at will, or you will suffer a lot.

7. The work done by the micro account manager is part of the whole credit process. We should not only be able to attract customers and establish a "personal brand" among the customer groups, but also be able to get along well with bank loan managers and leave them with a responsible and reliable impression. As the "coordinator" of communication between customers and banks, it is necessary to repair both inside and outside.

In the final analysis, there is no other way to be a good manager of small and micro accounts: seriously and attentively.

Extended reading:

Quality requirements of account managers

A qualified account manager must have good social communication and organization and coordination skills, modern management consciousness and team spirit of time management, warm and cheerful personality, a sense of responsibility, familiarity with the functions of various financial products and rich management experience in market research and customer development.

Junior and intermediate account managers shall meet the following requirements:

(1) Moral quality. Should have a strong sense of responsibility and dedication to work, and strictly observe the secrets of banks and customers.

(2) Marketing skills. Be able to comprehensively use market segmentation, market positioning and marketing means.

(3) comprehensive knowledge. Have a deep understanding of finance, marketing and law, and be familiar with all aspects of banking business.

(4) analytical ability. Be able to understand all aspects of your work scope, be able to comprehensively analyze customers, and have a strong foresight of customer risks.

(5) planning ability. The work objectives are clear and feasible, the plan is feasible, the budget arrangement is accurate and effective, and the work progress is orderly.

(6) coordination ability. I am good at expressing my own views and opinions, maintain a good working relationship with the management and business level of the bank, and have a strong team spirit.

operating duty

(1) access. Make fruitful visits and observations to customers.

(2) subdivide customers. Identify target markets and potential customers.

(3) Risk management. Effectively monitor and control customer risks.

(4) Customer relationship management. Keep in touch with customers and mobilize their resources.

(5) Customer analysis and evaluation. Conduct all-round analysis and evaluation of customers.

(6) communication. Use effective communication means and communication strategies to maintain the relationship with customers.

(7) negotiation. Negotiate business with customers.

(8) Business transaction: guide customers to complete business transactions.

Fourth, how to do a good job in small and micro loan marketing

honest