Credit card overdue transfer risk management department

If the credit card is overdue for more than 3 months, the bank will cancel the installment and minimum repayment qualification and require a one-time repayment. If not, the bank said it would hand it over to the risk management department.

Supplementary information:

I. About the Risk Management Department of the Bank

After the credit card is overdue, most of my friends have the experience of "if you don't pay back the debt before, you must hand it over to the risk management department". The risk management department here is not the Ministry of Justice of our state organs, but a post-loan collection department within the bank. So don't worry, you will be summoned and detained.

Second, the bank collection process

In the first three months after the credit card is overdue, it is generally the internal collection of the bank. After three months, the bank will outsource to a third-party collection company for collection. If the third party fails to collect the money, the case will be handed over to the bank. At this time, the bank may transfer it to the court to file a civil lawsuit. That is, the bank will formally sue you in court.

Extended data:

The responsibilities of the risk management function are as follows:

1, organize and coordinate the overall work of this department.

2. Be responsible for studying and revising the measures, opinions, management methods and operational procedures for risk identification, prevention, resolution and disposal, and improving the risk management system.

3. Responsible for auditing the project, evaluating the reliability and feasibility of the project, auditing the anti-risk measures, independently issuing the project audit opinions and submitting them to the jury.

4. Responsible for checking the implementation of the company's various management systems, issuing inspection reports on a regular basis, and constantly improving the internal control system.

5. Responsible for organizing the implementation of customer classification management, conducting business risk monitoring and early warning, and participating in the investigation and evaluation of large-value projects.

6. Be responsible for business guidance, inspection and analysis, and summarize and popularize the business experience of each division.

7. Be responsible for analyzing and studying the company's risk projects, drawing lessons, organizing case analysis meetings on a regular basis, making business marketing plans and organizing their implementation, and reviewing performance appraisal calculations.

8. Write and submit weekly, monthly and quarterly business analysis reports and annual work summaries on time, and organize employees of this department to conduct business study irregularly.

9. Strictly abide by the rules and regulations of the group and the company, obey the unified arrangement and scheduling of the group and the company, keep the secrets of the group and the company, and be honest and diligent.

Risk management refers to the management process of how to minimize the possible adverse effects of risks in projects or enterprises with certain risks. Risk management is very important for modern enterprises.

When enterprises are faced with market opening, deregulation and product innovation, the degree of fluctuation will increase, thus increasing business risks. Good risk management helps to reduce the probability of decision-making mistakes, avoid the possibility of losses, and relatively increase the added value of the enterprise itself.