Well, it's four or five months overdue. Is it true that you texted me that you are suing me now?

It's usually true. Look at the contracts between you. Many contracts clearly state that if the first installment is not repaid on time, the other party can sue for the full amount. So, you'd better have a good look at the contract between you. Besides, whether to prosecute or not is generally not a joke.

Although post-loan management is a relatively low-risk link in the loan process, it can not be ignored. Only by grasping this last line of defense and not relaxing can we truly resist the loan risk.

Post-lending inspection is an important part of post-lending management, including initial post-lending inspection, routine post-lending inspection and special post-lending inspection. The main means used are telephone, face-to-face, on-the-spot inspection, inquiring about the credit information system of the People's Bank of China, and detecting repayment account numbers.

In daily work, credit officers should pay attention to the early warning information of customers' personal qualities, customers' credit status, whether major changes have taken place in customers' family members, the signals of changes in the management, key technicians and major customers of customers' enterprises, whether workers' wages can be paid normally, the signals of changes in customers' performance ability and other situations that affect customers' repayment ability and willingness.

How to collect overdue loans

First, you can play the card of the bank and charge interest on the arrears of customers who owe money.

Issue an effective written notice in advance, claiming that the bank has collected the loan from the other party and set a repayment period for the other party. If the other party fails to repay the bank loan within the time limit, the bank will punish the other party according to "what" measures.

Therefore, the company requires customers who are in arrears with the sales payment to repay within a certain period of time, otherwise they will be forced to add interest. This is easy for ordinary debtors to accept and makes them feel that the company has to do it.

Second, seize the opportunity to call to collect the arrears.

It is easier for the debtor to cooperate with you by calling when he is in the best mood. For example, it's best to start calling at 3:30 pm, because they are usually busy in the morning. It's a good idea to leave debtors half a day to do business, so that they have enough time to enter the normal working state, and they are generally in a better mood when they are more relaxed in the afternoon. At this time, it is easy to accept the collection of arrears. Besides, you must avoid talking on the phone while others are eating.