With the guarantee of interests, the car dealer is obviously more cooperative than before, and various organizational training is also carried out every day.

The boss of the car dealership is also a good person, and if he makes money, he can't treat the brothers below badly, and he also spends a lot of money on his employees: "You have successfully introduced the installment, in addition to the normal commission, there is also a loan commission, and you will have to add one more assessment in the future, that is, the installment performance appraisal." Wouldn't it be better for everyone to make more money?"

The car dealership will also spontaneously prepare some promotional materials, such as display boards, leaflets, and banners......

Seeing that the car dealers are starting to cooperate so much, Xing Yu is very happy, so there will be many customers.

It's a pity that it's often a matter of willingness, the car dealership is happy, the customer is not happy, there seem to be many benefits to buying a car in installments, but I also have more money, not only to pay interest, but also to buy insurance, as well as home visit fees, so how much more money does it cost than buying a car in full?

Xing Yu is also busy every day, there are only hundreds of car dealers, all of them are easy to handle, there are thousands of customers, thousands of explanations every day, all the good things are said, but no one handles them.

"Xiaoxiao, am I not suitable for this? I'm so tired. Xing Yu, who was leaning on Wei Xiao's arms, asked in a low voice.

"Fat brother, you can do it, we were deceived so badly before, didn't we come over the same?" Wei Xiao said as he touched Xing Yu's short hair.

"I didn't say so many good things about selling cars before, and our things are not bad, why do they think I'm a liar and put up a loan?" Xing Yu continued to mumble, with the person he liked, Xing Yu was very willing to complain about the bitterness, every day in the company because he was a leader, he didn't dare to say this, for fear of chilling the hearts of the people below.

"You've been selling cars for so long, you should know that those people don't have money and still want to buy cars. Wei Xiao asked.

"Generally, people who do business want to take out loans, but these people have a mess of everything when they want a car, and we have stricter requirements for them in our outline. Xing Yu replied.

"Then you haven't asked Li Wei, see what he thinks?"

"He doesn't know how to drive, he doesn't have a driver's license, and the price of the model is not clear. ”

"But he understands finance, and if you ask, maybe he can have any new ideas. ”

For the reporting work, in addition to handing in the daily report, Xing Yu rarely communicates, and the business has to sit in the office every day, and does not go out to run, what about the customers?

Now that he has encountered a problem, Xing Yu can only let go of his face and ask for help like Li Wei.

Recently, the car dealership signed a contract, and the training was done, and the car dealer began to respond positively, but it didn't get the customer. After the morning meeting, everyone else went out, and Xing Yu walked into Li Wei's office alone.

"Are you familiar with the product outline?" Li Wei asked rhetorically.

"It's too familiar, you just ask, there's nothing I don't remember. "Xing Yu must be familiar with his own weapons, what else do you have to say.

"Okay, I'm going to give you an outline today. Li Wei said and took out the printer paper.

1. Target customer group

1. Salaried customers with stable jobs;

2. The business entity has been established for more than 1 year and has a normal annual inspection of individual industrial and commercial households or legal representatives of private enterprises.

Is there a problem here? Yes, it's a big problem, and now people who work in good units buy cars in full. For those small units, private enterprises will not have enough money and want to buy cars in installments.

Private owners, large corporations, were all pulled away by the group of bankers who were like uncles, and the rest of us were small traders who had just had a license or did not have a license.

"People are making money, right? In fact, to put it bluntly, these people with a stable income, the mass affluent class is not the object of our service, we mainly face the well-off class, that is, these people with stable income and less savings, and now they are not sound and standardized, but there are always people who give them money. These are the places where the money is paid are the workplaces. Li Wei said.

"But the company has a compliance department, and a risk control department. Isn't this a customer providing fake information?" Xing Yu was a little curious.

"How can it be false information? They actually make money in a certain unit, and they belong to the employees of that unit. But we can't say it explicitly, you can go to a unit to give you a certificate, express the meaning and let the customer understand it. Zhang Wei poured a glass of water and continued.

Limit Promotion:

1. Illegal industry/occupation: private detective, underground, money, illegal gambling, bodyguard, illegal pyramid scheme, "three-accompaniment" public

Information consulting and stock recommendation companies engaged in illegal securities activities;

2. High-risk occupations: front-line criminal police (criminal police, anti-drug police, explosion-proof police, fire police), acrobats, underground

miners, offshore workers, aerial workers, etc.;

3. Secrecy units: State Security Bureau, military secrecy organs and subordinate scientific research institutes, field troops, etc.;

4. Vulgar entertainment industry: karaoke, night, club, song and dance hall, sau, take, press, motorcycle center, foot, bath, health, game machine center,

staff of comprehensive, entertainment, city, recreation, and entertainment centers, etc.;

5. Small steel trade industry, small timber industry, small cement industry;

6. Peer personnel (including bank employees);

7. The applicant or his or her spouse has information on the legal network that has been executed and the status is "closed".

There is nothing to explain these things, either they are high-risk industries, or people with unstable incomes, or they know the inside story of the industry. The stability of repayment after the loan, the ability to repay, and the willingness to repay are all people who are not recognized by the risk control and have a headache with the post-loan management department.

The preparation of application materials is also a big problem, and many people give up the loan business because of the cumbersome preparation of application materials.

In fact, the materials of a letter are much simpler than those in the bank, and the bank's 8 major items and 10 small projects cannot be prepared in three or four days. Now all you need is a simple ID card, a report, a proof of employment, and a bank statement is all you need.

The only thing that is a little problematic is that the bank is running, and there are still many people who like to collect cash, and it is not unheard of to carry a urea bag full of cash when buying a car.

There are not a few people who are stuffed with cash under Simmons mattresses at home, and Xing Yu rarely goes to the bank to handle business, which is too time-consuming, and he has to take the number to queue up, and he has to fill out a bunch of forms, and the attitude of the bank masters is extremely bad.

However, the company's risk control department is far away from the capital headquarters, and they can only judge the customer's income through these data. There is no way around it, and for those who have money to hide themselves, I can only say sorry.

Criteria for determining non-performing people's behavior. This invitation is very strict, and there are many criteria for judging:

(1) The credit card has "4" or more in the past 12 months, including the arrears of annual fees;

(2) The credit card is currently overdue with "2" or more and the overdue amount is more than 1,000 (inclusive);

(3) 2 "2s" or 1 "3s" in the credit card in the past 6 months;

(4) "5" on the credit card in the past 12-24 months, including the arrears of annual fees;

(5) The credit card repayment record is frozen, doubtful debts, "G", and arrears of annual fees;

(6) The loan is currently overdue and has "2" or more at present, and the amount is more than 1,000 yuan (inclusive).

It seems extremely complicated, in fact, two sentences can be explained clearly, as long as it is not three times in a row, it is enough to be tired six times, and in the vernacular of the explanation, it is that there is no non-repayment for three consecutive months within two years, the repayment time is wrong, and the number of late repayments is not more than six times.

This is the standard introduced by domestic financial institutions from abroad for more than nine years, and now more than ten years have passed, basically unchanged, and it is also the most important red line, as long as this red line is exceeded, then sorry, we will not be able to serve you.

The rest are some minor problems, Xing Yuzhi has no doubts, and Li Wei has a detailed interpretation of the outline.

"I see that you usually go to some high-end brand stores, BMW, Mercedes-Benz, Audi Land Rover or something. Li Wei continued to ask.

"That's right, the price of high-end cars is high, so some people want to apply for a loan, and who still lacks that money for those cheap cars. Xing Yu had been listening to Li Wei just now, and now back to the issue of vehicles, Xing Yu felt that he should have the right to speak.

"Is that more of these high-end cars, or more of low-end vehicles?" Li Wei continued.

"Well, there are many low-end cars, and the most sold model in the world is Toyota's Corolla, which is a low-end family car. The most sold car in China is Wuling Light, Hongguang has been on the market for too long, but now it is indeed the hottest model, a store can sell more than a dozen units a day, it is estimated that the most sold model in China in the future is it. "Regarding the market, Xing Yu still has research, a qualified car dealer, must clearly know what car sells best on the market, what car has a good reputation, and whether there will be a jumping price reduction, so as to grasp the price and value of the vehicle without losing money.

Wuling Hongguang is the first cross-border independent research and development product between commercial vehicles and passenger vehicles launched by SAIC-GM-Wuling. This car has redefined the standard of MPV models, and since its launch in 2010, it has a sleek exterior design and a spacious driving space that is versatile and practical.

The strength of power, economy, handling and safety has subverted people's traditional impression of commercial vehicles. With its small displacement, ingenious design, exquisite interior, strong cross-level power, and an absolutely attractive price of about 50,000 yuan, it has created a new world in the large commercial vehicle market. "Small, delicate and practical"

Wuling Hongguang mainly focused on the seven-seater passenger car market, and the design concept and functionality were completely different from the previous micro-surface products, and there were almost no competitors at the time, and it continued to sell well soon after its launch. In the second year of listing, it created a sales myth, and other automobile manufacturers also followed suit, for a time Changan Ounuo, BAIC M20, Dongfeng scenery...... A large number of small and practical MPV models have poured into the market.

Regardless of pulling people to pull goods, household and commercial, Wuling is a good choice, used to be known as the bread of Chang'an Suzuki Beidouxing, why it sells well, is to pull more, fuel efficient, run far.

Now this kind of small MPV, the engine is not under the driver's buttocks, the heat dissipation and noise have been greatly improved, and the space is large. Some small business owners, families with large populations will choose this affordable model.

"The more people who buy, the more customers, the more customers, the easier it is for our potential customers to tap, do you remember the 28 rules of sales?" Looking at the thoughtful Xing Yu, Li Weiyou raised a new question.