Have you ever been called? What do you know about the collection industry?

Recently, my friend was looking for a job and received an interview invitation from a business consulting company. The applicant is the legal affairs department of the company. But after understanding, this job is actually a collector of credit card outsourcing companies, dealing with credit cards and people in loans overdue. Have you ever been interviewed as a collector or been collected during job hunting?

At present, most online debt collection platforms (P2P) or financial institutions adopt the mode of "partial outsourcing and partial self-collection". P2P companies and financial institutions generally collect debts that are just overdue;

The debts undertaken by outsourcing companies include two main parts, one is long-term overdue, and the other is areas that P2P companies cannot cover themselves.

At the same time, P2P companies will not only outsource the collection business to a debt collection company, but adopt a competitive mechanism for several companies to jointly implement and implement tail elimination, and then the second echelon will make up for it. For third-party debt collection companies, they can get different proportions of commissions according to the length of debts. The debt commission of 1~3 months is below 10%, and it is 15%~20% within one year. There are only three ways of debt collection: telephone collection, foreign visit collection and litigation. The collectors of outsourcing companies generally collect money from lenders in the capacity of bank collection department or entrusted law firm. The commission for each business is 10~600 yuan, and the psychological quality is strong enough. If you are patient enough, it is not a problem to earn more than ten thousand yuan a month. The cost of telephone collection is relatively low, which can avoid direct conflict, but it is inefficient and has no legal effect. It is only effective for debtors who owe money for occasional reasons, but not for Lao Lai, who is as thick as a wall. Overseas visits are expensive and will be used as an auxiliary collection method.

The operation process of collection is early reminder, followed by pressure and early warning. The collector will not only call the borrower every once in a while, but also send text messages to the guarantor to inform their business partners and relatives. Malicious overdraft and long-term non-payment for the purpose of illegal possession may constitute the crime of loan fraud in Article 193 of the Criminal Law and the crime of credit card fraud in Article 196 of the Criminal Law. However, due to the high cost of litigation, generally only lawyers' letters will be sent to exert pressure. The amount owed is not particularly huge, and there is little hope of repayment. Generally, no lawsuit will be filed for judicial proceedings. As long as people can be contacted, such as the borrower's parents, brothers and sisters, uncles and aunts, the collection staff will try their best to put pressure on them while doing ideological work. There is also a line of repayment. I hope that the collectors will not submit the case to the lawsuit. Have you ever been called? What do you know about the collection industry?

The process of telephone collection is roughly as follows:

First indicate the pre-set identity, and then check the identity information of the borrower and the relevant facts of the loan. The second is to exert pressure. The pressure mainly comes from legal consequences (civil liability and criminal liability) and economic consequences. Finally, check the borrower's identity information, guarantor information and emergency contact information again to find invisible pressure. They will give a repayment period, usually within three days, and then continue to follow up in the next few days.