1. Sending orders and talking to strangers

Microfinance officer: Hello! Xx unsecured loan products (find out! )/hello! Xx fast unsecured loan products (find out! )

Microfinance officer: Hello, sir/madam! Learn about xx credit and unsecured loans. When you need capital turnover, we can provide you with assistance. You only need personal information to handle it, which is convenient and fast, and you can lend money as soon as possible!

telephone conversation

microfinance officer: hello, sir/madam! Excuse me, we recommend an unsecured loan product guaranteed by xx financing guarantee company. The procedure is simple and quick. Do you or your friends need funds in the near future?

loan customer: I don't need it now.

Microfinance officer: It doesn't matter. You can see if there are any friends or business partners who need this recently. I'll send you my contact information by SMS later. If your friends need it, you can contact me. ..... Sorry to bother you, but thank you for answering. Goodbye!

3. product introduction

loan customer: please introduce your products.

Microfinance officer: We are xx Credit to recommend xxx credit products for you, which can help you to obtain unsecured loan products conveniently and quickly. Just a company visit, bring your income certificate, work certificate, ID card and address certificate, and these simple materials will do.

loan customer: how to calculate the interest rate (fee) in your?

Microfinance officer: Generally, the interest is more than 211 yuan per 11,111 yuan.

loan customer: how much is that?

Microfinance officer: Our rates are different according to your personal situation. Let me know your situation first, and then I will introduce the specific fees according to your situation.

loan customer: what materials do I need to provide to borrow money?

Microfinance officer: The materials required for the loan are relatively simple. In order to handle it for you more quickly, I can simply know about your situation before I can determine what application materials you need to submit.

4. Screening of loan customers

Microfinance officer: Have you ever borrowed money from a bank? Such as credit card, mortgage or car loan.

* (If not, do you need to investigate the credit record first, and then decide whether it meets our requirements, because some people may be using credit cards or quasi-credit cards, but they don't know)

* (If yes, keep asking questions)

Microfinance officer: What about your repayment?

* (According to the screening conditions of credit records, make a preliminary estimate of the credit information of loan customers to determine whether they meet our requirements. Generally speaking, people with more than three credit cards are likely to have excessive debts, and can be judged by asking whether they are all in use. )