"For this reason, after determining the ideal goal in life, the loan officer focuses on learning and improving his business ability." Gu Xihua said.

Conscientiously study the principles of laws, regulations and systems, comprehend the key points, be law-abiding employees, improve the consciousness of operating in accordance with laws and regulations, learn from advanced credit work experience, improve work efficiency, learn to quote new business knowledge, broaden ideas, develop new business, improve market competitiveness, learn effective methods and measures, improve their ability to manage credit work, and establish confidence in completing tasks. In this way, you can make the work smooth, the performance is outstanding, there is a passion and affection for the work, and you can devote yourself to the work.

"Conscientiously implement the system, strictly standardize the operation, the system is the guarantee for doing a good job, regard it as a high-voltage line, and have a strong deterrent and restraining effect." Chen Zihao said.

Everyone is equal before the system, and we must not take it lightly, we must not have a fluke mentality, we must not defy the law, and we must not cross the thunder pool by half a step, otherwise we will have to pay the price for violating the system. An effective way to implement the system is to strictly standardize the operating procedures. This can be compared to the credit operation process, which can be summed up in eight sentences. Carefully investigate and know early, find out the situation early, make timely loans to lenders, approve and report in a timely manner, do not violate laws and regulations, often run after the loan, and return to the return visit when due, and pay attention to a win-win situation with credit. A few sentences summarize the three-check system of credit work, the professional attitude, honesty and trustworthiness and the hard work of loan officers, exchange hard work for the happiness of thousands of households, and use the system to standardize behavior.

"It's easy to be a loan officer, but it's not easy to be a successful loan officer, and you'll learn more about it later." Gu Xihua said.

"There are all sorts of notes for a successful person, and there is a saying that the length × width × height." Chen Zihao said.

Long means having expertise, having specialty, and having long-term goals and plans. Broadness refers to a broad-mindedness, a wide range of knowledge, and a tolerant heart to treat others and oneself. High is su zhì high, high level, with high ideals. Have a high level of professionalism. Successful people are the embodiment of these comprehensive elements. Although no one is perfect, as long as you work hard, you will reap the value of life and realize your life ideals. Life is a long journey, and the key moments are just a few steps, and each stage must be carefully grasped. Every achievement contains hard work, and every success has hard work. Every dream leaves a deep memory. Credit work is complicated, there are countless things to do, if you want to succeed, you must grasp the key, grasp the key points, start from little by little, accumulate over time, in order to gradually move towards success.

"But my scene today makes me unbelievable that it will be so difficult to collect a loan." Xu Feng said.

"Get it done. We must be flexible in our methods, measure according to people, and implement policies according to households, some need to be soft and hard, some must use legal means, and some are best to be reasonable and set out the facts, and it is not easy to make hard ones. There are thousands of ways to collect loans, and having faced all kinds of lenders and summing up rich experience in loan collection, he will become a very good loan collector. Chen Zihao said.

As a loan officer in a commercial bank, I usually face lenders from all walks of life, and the loan situation managed is also very complex. In the process of clearing overdue loans, the appropriateness of the method adopted not only reflects the quality of the loan officer, but also directly reflects the overall image and credit management level of the commercial bank.

As a loan officer, most of the lenders you face are industrial and commercial households, that is, people who do business. It may be influenced by psychological expectations. They are holding back a lot of energy to make money in the morning, thinking that at this time someone comes to ask for accounts is to pull out the valve core, they are often more disgusted with the call to ask for accounts at this time, and they are even more indifferent to the door-to-door account collectors at this time.

Some lenders rely on the money in their hands and refuse to repay the loans when they are due, especially the loans managed by the current loan officers issued by the previous loan officers. For these lenders, it is unlikely that they will sue for recovery, and they often win the lawsuit but the loan is not easy to recover. For these lenders, the loan officer should be moved by emotion, understand reason, communicate with them slowly, and use truth and wisdom to overcome them and make them repay voluntarily. For those borrowers who are difficult to deal with, but are staff members of the unit, they must resolutely take up legal weapons to safeguard the legitimate rights and interests of the commercial bank.

Some lenders have strong self-esteem, and the most taboo is to be asked for accounts in front of people, and if the loan officer does not grasp this point well, it will often backfire, and the lender will not be willing to return even if he has money. In addition, when answering the phone call of the lender, you should explain the situation of the loan that you cannot handle, and do not lie or simply refuse on the grounds that you cannot lend, which will make people feel that the employees of the commercial bank are not trustworthy and have a blunt and indifferent attitude.

The effect of loan collection should be whether to keep in touch with the lender at ordinary times, and the relationship between the quality of loan collection and the quality of the loan. If you keep in touch with the lender and urge the lender to pay the interest on time, the lender will keep the loan in mind and worry about it all the time, and will plan ahead about how to repay it. At the same time, keep in touch with the lender at any time, and can also keep abreast of the borrower's operation and living conditions, and keep abreast of the company's operation and production. For newly issued loans, loan officers should strictly adhere to the three-check system, do a good job of post-loan follow-up inspection and testing, and visit at least once a month, which will play a positive role in the smooth recovery of loans.

At present, improving the quality of credit is an important task for the present and for a period of time to come, and if every loan officer can use his or her brain, use more skills and wisdom, and pay more attention to credit and services when he goes to the countryside to collect loans, it will play a positive role in promoting the quality of interest collection and loans.

The next morning, Xu Feng and Qiu Weiqiang continued to go to the countryside to collect loans, and the first stop was to go to Li Heyang's house, which had been overdue for more than three years. Because his family has been out to work for a long time, he usually doesn't come back at all, so it is difficult to find him. Yesterday, Qiu Weiqiang heard the news of his return and thought that this was a golden opportunity, so he first arranged to come to his house, so as not to find him if he was late, and the loan would definitely not be recovered.

"How do you know he's coming back today?" Xu Feng asked.

"In our business, we must grasp the first-hand information of each lender, how to grasp it, we have to rely on our diligent mouth, inquire more about their situation, and act immediately once we get the information, and we can't miss every opportunity." Qiu Weiqiang said.

"It's really yours, and the borrower knows the situation in such detail." Xu Feng said.

"As the saying goes, what to do is what to shout, it is said that people should be like things when doing things, study the problem deeply, understand it thoroughly, so that they can become experts. Do the work as your own business, otherwise you can do it well, since you do this business, you have to get into it with all your heart. Qiu Weiqiang said.

When he came to Li Heyang's house, he happened to block him in the house, and the people who came early in the morning caught Li Heyang off guard, his facial expression was slightly restrained, and he couldn't speak. Qiu Weiqiang and Yan Yuese asked him about his part-time work outside in recent years, and nodded after learning about it. Then he inserted the main topic, talked about the loan of 20,000 yuan, and patiently explained the consequences of dishonesty and the responsibility for breach of contract. After a period of silence, Li Heyang said that he would go out to raise funds and promised to repay the overdue loan tomorrow.

"We believe you this time, if you break your trust again, don't blame us for not being emotional." Qiu Weiqiang said.

"Please rest assured, this time my words will definitely count, and you will come to get the money early tomorrow morning." Li Heyang said.

On the way back, Xu Feng said: "You just believe him so much, what if you run away tomorrow?" We're here again for nothing this time. ”

"The whole family works outside the home, and there is a certain income, so there should be no problem in repaying the loan. I couldn't find him when I lost contact with him before, and if I had found him, the loan might have been recovered. Qiu Weiqiang said.

"Since you have money, why don't you pay it back at the right time, you have to wait until tomorrow, and we have to go again, isn't this a bent on embarrassing us." Xu Feng said.

"I don't think he has enough money on hand, no matter what, as long as he promises, there is hope, let's come back tomorrow morning." Qiu Weiqiang said.

"Finally, there is hope, and the loan can be repaid early tomorrow morning." Xu Feng said.

The second stop is self-employed Yang Junhua, who is engaged in agricultural machinery repair, and the loan of 30,000 yuan is due tomorrow, whether the money can be repaid on time. When he arrived, Yang Junhua had parked four agricultural machinery waiting to be repaired in front of his repair shop. The fiery business scene made Yang Junhua have no time to wash off the grease stains on his hands, so he quickly apologized again and again, saying: "If it weren't for your support, how could my accessories be complete, how could my business be so prosperous, please rest assured leaders, I will settle the account and repay." ”

"Your loan expires tomorrow, we can't repay the loan, the loan should be creditworthy, as the saying goes, there is a loan and a repayment, it is not difficult to borrow again, and you can also vigorously support the funds in the future." Qiu Weiqiang said.

"I've got the money ready, but I don't have time to go to the bank, I'll pay it back tomorrow morning at the latest, I won't delay your checkout, I didn't expect you to come today, I'm really sorry, let you come again." Yang Junhua said.

"It doesn't matter, it's our responsibility to recover the loan, and it's nothing to work hard." Qiu Weiqiang said that he calculated the principal and interest of the loan for him, issued a repayment certificate, and Yang Junhua took cash to pay the principal and interest of the loan.

"Happy, people will pay off the principal and interest of the loan as soon as they come, and they are a hundred times stronger than those people." Xu Feng said.

"Many borrowers are still creditworthy, and they can repay the loans when they are due, but if they really don't repay all the debts, we may have lost our jobs a long time ago." Qiu Weiqiang said with a smile.

"Where are we going next?" Xu Feng asked. (To be continued.) If you like this work, you are welcome to vote for the recommendation ticket, your support is my biggest motivation. )