What skills does the collector use to ask the debtor to repay?

1. What skills does the collector use to ask the debtor to repay?

Loan collection is an art, which not only pays attention to collection words and collection strategies, but also summarizes the types and psychology of debtors. In fact, to put it bluntly, collecting is similar to a psychological competition. Whoever can lead by the nose, who can get the upper hand and who can dominate this psychological game will win.

Due to the different overdue aging, the words of collection are naturally different. Generally speaking, the front row (M 1M2) focuses on service to induce customers to repay loans and guide customers to pay attention to their credit records. The front row is generally fast and accurate, because many banks and loan companies may owe money; The back row (M3M4) focuses on putting pressure on customers and urging them to repay through different tactics and collection strategies. The overall rhythm of the back row is slower than that of the front row, and it pays attention to the psychological game of negotiation. If it is fast and accurate, it is likely to "kill" the customer with a stick, and the customer may lose contact or deliberately not answer the phone. (specifically, you can talk privately and give opinions and suggestions according to your age. )

Collection strategies are more professional, such as framework, empathy, praise, family and so on. In short, different overdue customers need different collection strategies, and senior collection personnel can often judge what collection strategies they need according to the basic information of overdue customers without talking to them. Civil servants and elite teachers are more likely to accept praise and reciprocal strategies. The post-90s generation is more suitable for interviews and sandwiches. Of course, I only gave a wide range of examples. Of course, if necessary, colleagues can talk to me privately and I can share it. The specific case is not clear because it involves some personal privacy. I hope you can understand that if I rank high by the number of likes, I may share it, hehe. In short, the principle and core of collection is not to be led by overdue customers. No matter what tactics or innovative words you use, you should remember that you are collecting money. Always remember to confirm the repayment time with overdue customers (no more than three days). If you are inconsistent or hesitate to answer, you may skip the ticket. . .

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Personally, the collection can be divided into six parts: text (electric reminder), pressure, strategy, law, door-to-door and search. Each module has skills and methods. For example, in addition to the police village committee 1 14, you can also check the driver's license through 12580, public security household registration website, provident fund website, enterprise credit website, public security public transport administration website, ID card inquiry, film police inquiry, and online inquiry.

Classic case: Zhou is 22 years old and has been handling credit cards for 3 years. The overdue amount is 57,490 yuan, and the overdue days are 142 days. The collector called the borrower's mobile phone to stop, contacted the cardholder's mother and said that the cardholder's father was in prison and the credit card was swiped by the cardholder's father. The cardholder's father is a customer of Fujian Ningde Steel Trade, and the collector judges that as long as he can contact the cardholder himself, it is a breakthrough to recover the credit card arrears. The contact (cardholder's mother) was unwilling to cooperate at first and asked him for his son's phone number many times, but he perfunctory said that he would tell him. The collector has only one clue from the contact. In order to obtain information, the collector put pressure on the cardholder's mother for several times, patiently informed her son (cardholder) of his legal responsibility, and asked him to cooperate with the bank to do his son's ideological work, which increased the pressure on him. Tell Mama Ka that if she continues to shield her son, he will end up in jail, because the credit card is handled with her son's ID card. It is the cardholder's mother who will ultimately bear the legal responsibility. She is willing to cooperate and provide her son's phone number to help him pay off his debts.

Comments: This case is a high-risk customer, because the cardholder has been in prison, so it is quite difficult to recover the arrears. Fortunately, the collector determined the direction of collection through patient communication, and the pressure on the third party, that is, the cardholder's mother, was also in place. Grasping the only clue of the cardholder's mother and finally getting the cardholder's phone number is the key to success. From this case, we can get a hint that many debts are not necessarily repaid by cardholders themselves, and it is another way to recover debts by determining capable compensators. The most important thing is to seize the weakness of the card mother and inform the card mother that the card father has been imprisoned in time. You can't put your son in jail, too. After contacting your son, tell him the legal consequences to bear, and let his son do the ideological work of his mother (both hands should be hard) in order to recover the debt.

Second, credit card collection and pressure methods

Spread out completely

The most effective way is for public security personnel to collect money. If you don't return it, you will directly hand it over to the procuratorate for credit card crime and fine.

Three, 26 kinds of pressure words for small loan collectors

The pressure of collection: in addition to exerting pressure according to the debtor's own situation, it is more likely to threaten his relatives and friends. The following are the specific preparations before collection, and the corresponding stress words are prepared according to the data: 1. In the face of collection cases, the collection personnel must first sort out and classify themselves, be familiar with the overall situation of the case and the basic information of the debtor, and be aware of it. At the beginning of collection, the general call sequence is the line unit phone, then the home phone, and finally my mobile phone; When you can't contact these, you will ask the contact person (or relatives/units) to implement the situation and tell the debtor to repay through the contact person. 2. If you can't find the debtor through the above methods, you can query the information in the case database on the website, or through mobile phones and fixed telephones. 3. If the debtor cannot be found through the above methods, the company will send foreign personnel to the door and bring back the required information to facilitate collection; In addition, foreign visitors play a great role in the collection process, so it can be said that the success or failure of the collection lies with foreign visitors. 4. Understand the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn to inform him of the arrears. 5. In the process of collection, the field staff will be responsible for sending letters, collecting at home, and implementing the debtor's information on the spot, mainly to put pressure on the debtor. 6. Don't collect money from the cardholder as a bank, don't have personal attacks during the negotiation, avoid actively reducing the debtor's settlement amount, and never accept money. Four typical customer collection skills: (1) normal communication: showing high-quality characteristics in service, clearly telling customers the time and amount, and having a good attitude. It is necessary to establish long-term trust with customers through expiration reminders to achieve the purpose of introducing new customers. In the attitude of solving problems for customers, the importance of timely repayment is emphasized. (2) Lost contact: If you can't contact me through contact person, mobile phone address book, guarantor, etc. , require the guarantor to fulfill the obligation of guarantee and pay off the debts due. (3) Customers who have repayment ability but are unwilling to repay: rational and emotional, based on the loan contract, using legal means as a weapon, exerting pressure together with moral binding force, paying equal attention to reason and law, being gentle and tough, and urging customers to repay. (4) Customers who lack repayment ability but are willing to repay: Find out the reasons why customers can't repay on time and discuss solutions by solving problems. Persuade people with reason, move people with emotion, take the loan contract as the basis, use legal means as a weapon, exert pressure together with moral binding force, pay equal attention to reason and law, and apply both soft and hard to urge customers to repay.

Four, 26 kinds of pressure words for small loan collectors

1. In the face of collection cases, the collection personnel must first sort out and classify the cases themselves, be familiar with the overall situation of the cases and the basic information of the collection personnel, and be aware of them. At the beginning of the collection, we usually communicate by phone, and then when the phone at home is disconnected, we will call the contact person and tell the debtor to repay through the contact person.

2. If you search on the website (or 1 14) or inquire about the information in the case database through mobile phones or fixed telephones.

3. If the debtor cannot be found through the above methods, the company will send overseas personnel to the door and bring back the required information for collection; In addition, foreign tourists can say that the success or failure of the collection lies with foreign tourists.

4. Understand the debtor's information, and then tell the family about the debt.

5. In the process of collection, the on-site staff will be responsible for delivering letters and collecting debtors at home.

6. Don't collect money from the cardholder as a bank, and don't have personal attacks during the negotiation. Avoid reducing debt money at will.