Has anyone collected it? How about making a collection now

In many people's cognition, there is always violence in the collection world. SMS bombing and telephone harassment are normal, and even illegal acts such as personal threats and verbal intimidation are carried out. In addition to the quality factors of the collectors themselves, to some extent, the difficulties faced by the platform are also related to the construction of credit information system, because the construction of credit information system in China has not yet fully extended to the field of private lending, and the relevant supporting measures are poor, so the lack of credit information can not cause social credit pressure on debtors. In the future, China needs to establish a sound credit information system and allow Internet financial institutions to access the central bank's credit information system, which will effectively eradicate the chaos of online lending platforms and greatly enhance the enthusiasm of debtors to take the initiative to repay.

At present, the collection work can be subdivided into the following ways:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

The traditional acquisition system is a labor-intensive industry, which is limited by many factors such as time, place and weather. In addition, the profits of the collection industry are also declining year by year. In order to control the cost, enterprises rely more on telephone collection, supplemented by door-to-door collection, and the pressure on debtors is insufficient, which leads to the difficulty in improving the collection rate and the formation of more and more bad debts.

The operating law of the financial industry is that when the economy goes up, the credit scale develops rapidly and the default rate is low, while when the economy goes down, the credit default rate increases. In the face of overdue, the best way to solve the problem is reasonable, legal and effective collection.

In many people's cognition, there is always violence in the collection world. SMS bombing and telephone harassment are normal, and even illegal acts such as personal threats and verbal intimidation are carried out. In addition to the quality factors of the collectors themselves, to some extent, the difficulties faced by the platform are also related to the construction of credit information system, because the construction of credit information system in China has not yet fully extended to the field of private lending, and the relevant supporting measures are poor, so the lack of credit information can not cause social credit pressure on debtors. In the future, China needs to establish a sound credit information system and allow Internet financial institutions to access the central bank's credit information system, which will effectively eradicate the chaos of online lending platforms and greatly enhance the enthusiasm of debtors to take the initiative to repay.

At present, the collection work can be subdivided into the following ways:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

The traditional acquisition system is a labor-intensive industry, which is limited by many factors such as time, place and weather. In addition, the profits of the collection industry are also declining year by year. In order to control the cost, enterprises rely more on telephone collection, supplemented by door-to-door collection, and the pressure on debtors is insufficient, which leads to the difficulty in improving the collection rate and the formation of more and more bad debts.

The operating law of the financial industry is that when the economy goes up, the credit scale develops rapidly and the default rate is low, while when the economy goes down, the credit default rate increases. In the face of overdue, the best way to solve the problem is reasonable, legal and effective collection.

Arrears collection is a highly regional industry, although many domestic financial institutions have expanded their business to neighboring cities, with branches and customers all over the country. However, the traditional overseas collection agencies still maintain the existing development model and focus on the local market. For example, overseas collection companies in Nanjing are helpless in time, manpower and transportation costs in the face of Beijing's case. Even though the business scope of a few organizations can cover a wide range, the rising labor cost, rental cost, tax cost and the uncertainty of the project also deeply restrict the development of the company.

According to the latest survey data of the organization, from June 2065438 to June 2006, domestic new loans exceeded one trillion yuan, and the overall new credit scale in the first half of the year exceeded seven trillion yuan, of which personal credit accounted for a large proportion, and domestic credit grew rapidly, further pushing up the risks in the financial market. The surge of personal credit in China is accompanied by the rise of non-performing assets, which is directly manifested in the increase of overdue and bad debts of major financial institutions and private lending companies.

Recently, the survey report released by McKinsey, an internationally renowned consulting firm, pointed out that the ratio of non-performing assets faced by China has reached 15%. It is understood that the current high rate of overdue bad debts is caused by a series of reasons, such as the following factors: the audit policy of financial institutions is too simple, the tactical strategy formulation blindly follows the trend, the systemic risk caused by the deterioration of the market environment, the lack of ability of financial institutions to choose high-quality creditor's rights, the lack and confusion of post-loan management, the risk-free feedback mechanism, the lagging collection ability and so on.

The traditional collection method can no longer meet the needs of domestic disposal of a large number of non-performing assets at this stage. Only by relying on the innovative concept of the Internet and driven by big data to realize the online and offline integration of the collection industry can we realize the rapid development of the collection industry and purify the market credit environment. With the opening of the Internet, the collection industry with gray background has become more and more transparent, and those simple and rude collection methods will soon be eliminated.

What Internet collection needs to do is to change the traditional small module collection, coordinate the resources of local professional institutions, establish an efficient and powerful Internet collection platform covering the whole country, and realize local collection, part-time collection and rapid collection.

Cuitianxia is an Internet collection platform. The case source information covers 34 provinces/municipalities/autonomous regions and more than 300 large and medium-sized cities in China, and there are tens of thousands of registered members of practicing lawyers, covering more than 60 legal professional knowledge fields. There are more than 300 cases entrusted every day. As a big data risk control credit platform, the credit data has exceeded 75 million, and the average daily IP traffic shows a blowout growth trend. As a new collection internet platform, Cuitianxia has been adhering to the service concept of concentration, high efficiency and high quality, and is fully committed to providing increasingly perfect online collection services for creditors, lawyers and professional collection agencies.

Arrears collection is a highly regional industry, although many domestic financial institutions have expanded their business to neighboring cities, with branches and customers all over the country. However, the traditional overseas collection agencies still maintain the existing development model and focus on the local market. For example, overseas collection companies in Nanjing are helpless in time, manpower and transportation costs in the face of Beijing's case. Even though the business scope of a few organizations can cover a wide range, the rising labor cost, rental cost, tax cost and the uncertainty of the project also deeply restrict the development of the company.

According to the latest survey data of the organization, from June 2065438 to June 2006, domestic new loans exceeded one trillion yuan, and the overall new credit scale in the first half of the year exceeded seven trillion yuan, of which personal credit accounted for a large proportion, and domestic credit grew rapidly, further pushing up the risks in the financial market. The surge of personal credit in China is accompanied by the rise of non-performing assets, which is directly manifested in the increase of overdue and bad debts of major financial institutions and private lending companies.

Recently, the survey report released by McKinsey, an internationally renowned consulting firm, pointed out that the ratio of non-performing assets faced by China has reached 15%. It is understood that the current high rate of overdue bad debts is caused by a series of reasons, such as the following factors: the audit policy of financial institutions is too simple, the tactical strategy formulation blindly follows the trend, the systemic risk caused by the deterioration of the market environment, the lack of ability of financial institutions to choose high-quality creditor's rights, the lack and confusion of post-loan management, the risk-free feedback mechanism, the lagging collection ability and so on.

The traditional collection method can no longer meet the needs of domestic disposal of a large number of non-performing assets at this stage. Only by relying on the innovative concept of the Internet and driven by big data to realize the online and offline integration of the collection industry can we realize the rapid development of the collection industry and purify the market credit environment. With the opening of the Internet, the collection industry with gray background has become more and more transparent, and those simple and rude collection methods will soon be eliminated.

What Internet collection needs to do is to change the traditional small module collection, coordinate the resources of local professional institutions, establish an efficient and powerful Internet collection platform covering the whole country, and realize local collection, part-time collection and rapid collection.