Why did Huantai Finance report to the address book two days overdue?

Because some platforms are only one day overdue, if it exceeds this time, it may be overdue for you. So I suggest paying back the money as soon as possible and discussing it with them.

At this time, we can't just sit back and wait. These four methods can be solved! ：

1, alarm, many online lending platforms use software similar to "call you to death" when they burst the address book. In the face of such behavior, borrowers can call the police to defend their rights.

2. Complain to the operator. When we can't stand the harassment of the collection phone, we can complain to China Mobile, China Unicom and China Telecom and ask the operators to freeze the collection phone number.

3. Complain to relevant departments that the online lending platform is not unregulated. Generally speaking, it is effective to complain to the Industrial and Commercial Bureau or the Internet Finance Association.

4, direct shielding can find a shielding software in the software market, directly shielding the collection phone.

Operating environment Huawei nova5pro

How to control loans overdue?

First of all, the customer qualification is preliminarily examined by the review post.

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable; Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability. The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.

Two, the members of the loan committee to approve the loan information.

Members of the loans overdue Review Committee may be the heads of microfinance business of tier-one branches with certain experience, post-lending management positions of microfinance institutions and heads of microfinance business. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review. Therefore, the members of the Loan Audit Committee should fully grasp the information in the investigation report in advance, grasp the main risks, and ask the loan officer about the personal basic situation of the loan applicant, the purpose of the loan, production and operation, operating cash flow, repayment ability, personal credit of the operator and other issues. The loan officer should highlight the key points and truthfully answer the questions raised by the loan review meeting. The loan Committee will implement a one-vote veto system, and only when all members of the loan Committee unanimously approve it will the lender approve it. At each loan review meeting, a special person shall be appointed to record the contents of the loan review meeting, record the questions of the members of the loan review meeting and the answers of the loan personnel in detail, and fill in the loan review meeting record form. There should be no "going through the motions".