As a bank collector, my daily life is a drama.

I am a collector of a large state-owned commercial bank, and my jargon is called collector or security guard (property security). My main job is to collect debts from customers who owe money through telephone calls, letters, home visits and lawsuits. In short, I collect debts for the bank.

This job is very special, and it is the last link of the whole bank asset business. I deal with borrowers who are overdue for subjective or objective reasons every day. As an outsider, I have seen too many ups and downs in my life.

one

At present, the bank's non-performing assets continue to accumulate, and in some special periods and specific industries, it will also show a blowout state. Some people may have questions. Judging from the bank statements, the growth rate of non-performing assets of major banks is very stable every year, and some banks may have a downward trend.

What is revealed here is that all banks have specific ways to digest non-performing assets, and the main means are bad debt write-off and collection.

Bad debt write-off is to use the bank's own profits to dilute losses and transfer non-performing assets from the on-balance sheet to the off-balance-sheet, but in fact, non-performing assets are still there, not increasing or decreasing. The real solution to non-performing assets can only be collection.

Generally speaking, large state-owned banks have a heavy burden of non-performing assets, which also leads to the crisis of clearing positions. Generally, this post is attended by young people with social experience. In recent years, high flyers, a law major, has been recruited more consciously.

? Let's talk about the nature of this job first.

Collection work is not as comfortable and popular as other positions in the bank (such as loan officers and salesmen). The collection work requires a close-up or even face-to-face game with some old customers, needy customers and lost customers, with the theme of asking for money. As you can imagine, you don't want to be seen, but a few vicious customers also let dogs bite, scratch, cheat, threaten blackmail and other operations, so banks generally buy accident insurance for collectors and equip them with high-definition recorders.

In addition, the working hours of this position are not fixed. Because the door-to-door collection should be chosen when customers are at home, they should adapt to the life and work habits of people in different industries, often go out at night, go out early and return late, and it is easy to be identified as social undesirable elements.

? Tell me more about the colleagues who do this job.

Usually gay, it's simple. Gay men have good physical strength and can adapt to high-intensity, high-density squatting, business trips, entertainment and other tasks. When it comes to entertainment, it is mainly necessary to regularly connect with the courts, economic investigation and other organs. Because banks have rigid requirements for overdue loans that meet certain deadlines and conditions, they need to file lawsuits and report cases as required, so banks will have fixed fees to support the daily work contacts between organs. This is the national condition of China, and everyone knows it.

Therefore, engaging in this position also has great advantages, and the unit will provide you with a good platform to maintain some contacts of the public security inspection law for free.

? Finally, let's talk about the customers we are facing.

These customers have different economic strength in the early stage, including listed companies, state-owned enterprises, rich families and elite gold collars, as well as small workshop owners, nouveau riche, individual bosses and ordinary employees, but at least they are the kind of people that banks think can afford. However, after a long time, I was severely slapped by reality. The most interesting thing is that after being down and out, everyone's reactions are varied, which really makes people see the cultivation and tolerance in the depths of their bones.

two

Let's look at an ordinary old man in the countryside.

The old man is in his sixties and runs a bicycle repair shop with his wife (an industry that has been eliminated by the times). The store is messy and bleak. My son borrowed 200 thousand to do business. As a result, he took part in gambling, lost all his money and ran away. In a rage, the daughter-in-law left a son and a daughter and went back to her family. All the debts were ignored, and she began to be ignored by the bank. Only the old couple are left alone to face debt collectors from all directions.

Banks have requirements on the frequency, time and method of collection. It's time to get it. We have to leave, and we have to ask our customers to sign, take photos and file it.

So every once in a while, we have to "visit" the old people, and every time we go, we will be "shocked" by the sight of the old couple surrounded by walls. what can I say? What a pity! The old couple sold their homestead and lived in a repair shop. Apart from the tools for repairing cars, there is no decent household appliance, and the TV and fan at home have also been touched by other people who want money. Grandchildren can't even afford a decent pair of shoes. The old couple and their two children share a quilt.

What shocked us most was the attitude of the old man. The hundreds of dollars earned by repairing cars every month, except the necessities of life, are all used to pay off my son's debts.

For banks, there is no such thing as a father paying off his debts and a son paying off his debts. Theoretically, reminders are limited to contracts. But in fact, based on the principle of due diligence, it is still a little more, no matter who compensates.

However, we all feel a little sorry for the situation of the elderly families. The old man once said in despair, "When the money was returned, there was really no strength. Have pity on my grandson ... "

His eyes have been stained by life, but he looks at the love, pain and despair of his grandchildren, which makes people have mixed feelings.

Later, every time the collectors went, they would buy some fruits in advance, or pick up some old clothes of their children, if not for other reasons, just for such an old father who exhausted his heart for his children.

After so many years of collection work, I found a very common phenomenon. There are countless parents who pay debts for their children, but very few children pay debts for their parents! Parents can be a solid barrier for children in most cases, but children can rarely really shelter their parents from the wind and rain.

The reason may be that children are willing to do things they can't do, or that parents can't feel the difficulties, or that parents are unwilling to leave the ups and downs to their children. In short, few people can love their parents as much as their parents love us and repay them.

So, everyone, pay more attention to mom and dad while there is still a chance. They are the people who will always wait for you in the wind and rain and protect you in the shadow.

three

I have been engaged in collecting for a long time and have met many so-called entrepreneurs and successful people. Now I can be regarded as a half-prophet, roughly judging whether a person can make a comeback after encountering Waterloo.

What is the basis of the forecast? It is the ability to deal with crises-those who encounter major setbacks never rely on luck out of thin air, but on the strength accumulated by solid character cultivation.

Ma Zong, a middle-aged woman in her forties, ran a cardboard factory from scratch with her husband, which once reached the top five in the local county. Her appearance, figure and manners are ordinary, and she is completely free from the aggressiveness and condescension of a strong woman.

Later, her enterprise guaranteed a downstream customer. After the downstream customers closed down, they were dragged into trouble. Land, factories and funds were all seized and frozen, orders dropped sharply and workers went on strike, resulting in the loss of repayment ability.

It rained all night, and her twenty-year-old son died in a car accident. At the most difficult time, she couldn't even pay the monthly electricity bill for production.

Even in the face of such a change, every time we went to see her, she introduced the company to us calmly, clearly and rationally, and repeatedly promised to repay and actively raise funds.

In fact, people like Mr. Ma have been in business for many years, and their minds are very flexible. They know that the more difficult the crisis, the more they can't be confused. So at such a critical moment, she kept a consistent pragmatic attitude and a clear head.

After the crisis, she found a reliable person to re-register a company. Although she was suspected of evading debt and transferring assets, her business resumed operations at the first time and regained cash flow. At the same time, she communicated with other creditors, courts and local governments and tried every means to win the favor and support of banks.

Here, the bank is willing to actively cooperate, but external factors cause some help and understanding to customers with operational difficulties. After all, the "death" of enterprises is only bad for banks.

In this way, after nearly a year of multi-party coordination and efforts, Mr. Ma found other property clues of downstream enterprises, and the communication court temporarily lifted the seizure of his own enterprises.

The bank immediately reorganized the loan and lent it to Ma Zong's enterprise to help her tide over the difficulties. Then the court closed the land factory again.

In the process of unsealing, lending and renewing the seal, the local government and creditor banks have repeatedly negotiated and won valuable time for Ma Zong's enterprise to come back to life. Finally, the enterprise slowly recovered from the quagmire of bankruptcy.

It can be seen that it is no accident that people like Mr. Ma can succeed. They experienced a test that ordinary people could not bear. Honesty and tenacity are bound to become their standards.

However, seeing the wealth they have gained through the tempering of life, I cherish the plain happiness we enjoy as ordinary people.

spend freely

Let me tell you another negative case.

The protagonist in the case, let's call him Mr. Li for the time being. He is in his mid-forties, looks ordinary, and is a generation that rose rapidly with a flexible mind in an era of material poverty. Mr. Li's previous business was building materials business. After accumulating wealth, he began to switch to catering and later expanded the hotel accommodation business.

During the period when the consumption of the three fairs was very serious, Mr. Li's company once occupied the leading position in the local high-end catering industry, and customer orientation directly excluded the general public. Retail investors like us belong to Pippi shrimp in the eyes of Teacher Li, and people simply disdain it.

At that time, Li was always the darling of the government and banks, and many banks wanted to lend him money. The scene is infinite. Our bank made great concessions in terms of interest rate, term and quota, and finally "succeeded" in obtaining a loan of15 million yuan for Mr. Li's catering company, with a property under his company's name as collateral, and Mr. Li himself and his spouse as joint guarantors. In retrospect, this incident showed an abnormal clue from the beginning.

The focus is on the first repayment after loans overdue. At that time, the branch was shocked and realized by experience that there might be a big problem, and immediately arranged for personnel to pay a return visit on the spot. At this time, Mr. Li's attitude took a 180 degree turn and began to dodge, avoid and prevaricate.

To be on the safe side, the sub-branch quickly applied for the intervention of the collection staff, and immediately went to the tax department and the Housing Authority to verify the situation. Later, it discovered the shocking truth: within one month after the loan was issued, all the properties under the name of General Li and his spouse were transferred to his son's name, and the cash flow of the enterprise was broken (mainly because the high-end catering consumer market was castrated by the policy without explanation) and began to default on taxes. The bank has nothing but mortgaged property.

Only then did I realize that I might have encountered fraudulent loans.

The bank quickly started the collection procedure, and it took a lot of effort to verify that Mr. Li still had a property in a nearby city. On the same day, I applied to the court to complete the seizure procedure, and there was a dog blood scene in the household evaluation stage.

At that time, the collectors, law enforcement officers and appraisers came to the destination in a mighty way and found that Li had hidden a 20-year-old girl in this house. The little girl claimed that the house was given by her boyfriend. After seeing such a group of people, her face quickly turned into anger, and then she quarreled on the phone.

A stone stirs up a thousand waves. Unexpectedly, I don't know which link has a "leak". Before we left, Li's wife arrived soon with her children. The scene immediately got out of control, the original match scuffled with mistress, and the room was smashed, leaving our staff stunned by the rapid reversal of the plot. ...

The disposal of this loan has gone through a long time, and both sides have been seesawing. The bank couldn't find any evidence of Li's fraudulent loan and transfer of assets, and Li also tried his best to avoid debts.

Later, this case was included in the bankruptcy plan as a typical example by the local government and the court. Before the court decides to accept the bankruptcy case, it tells the bank that the collateral is either directly valued to pay off the debt or included in the bankruptcy property.

Bankruptcy procedures are complicated and take a long time, usually about three years. Moreover, the amount of taxes and employees' wages owed by enterprises is huge, which leads to the uncertainty of the compensation ratio of banks. To put it simply, in a word, this enterprise owes too much, and the court will give priority to paying taxes and employees' wages in order to maintain stability. In the end, our bank may not even get collateral.

After weighing the pros and cons, the bank finally accepted the debt-paying assets at a high price.

In a word, the bank was basically defeated in this war, not only the loan principal has not been collected so far, but also the mortgaged property it accepted is basically a chicken rib. Although the value of commercial buildings is high, the liquidity is extremely weak during the economic downturn, and banks have lost millions in transfer fees alone.

On the surface, Li always wins, taking bank funds and transferring some assets. But through our in-depth contact again and again, we can feel his great pain: the relationship between husband and wife is broken, the children are not at peace, I am listed on the list of dishonesty, the shareholders of the company turn against each other, the enterprise that has been in business for many years goes up in smoke, and my position is humiliated. Become a loser in an instant. This gap in status and image can hurt him more than anything else.

There are many people like Mr. Li. Aside from professional prejudice, they are actually very sad and pitiful. Individuals are capable and enterprising, but they are always eager to go further.

They enjoyed the "dividend" of that era in the specific political ecology at that time and formed their own "unique" sense of business competition. They are eager for a fair and pure market environment, but also pursue privileged human feelings outside the rules, enjoying the warmth and calm of family life and lusting after the passionate passion of the world. They feel that they have experienced great storms and have been favored by the times and the elites in the industry.

As we all know, it is never only himself who makes a person successful, nor can it be a simple thing that destroys a person. Mr. Li thinks that his failure this time is because he is not sure about the direction of enterprise transformation, but we think it is just a scratch. You have to pay it back when you come out to hang out. As the saying goes, heaven is good for reincarnation. Who has heaven spared?

In the collection work, I have seen too many money entanglements, and I can best see what is the strongest relationship-not blood, not husband and wife, not lovers, not friends, focusing on key points, but interests!

The benefits of iron are mobile, which is summed up by countless living examples.

In this incident, the Li family became a mess, but in the end they were the closest comrades-in-arms and the most reliable allies, because they clearly knew each other's advantages and disadvantages, and they were the real interests. And Xiao San, in this war, is doomed to be ineligible to punch.

five

Finally, many people ask, is there any way not to repay the money owed to the bank?

The answer is: don't always think about good things! Every bank has a professional collection team, and every institution has a fixed team of lawyers. Judicial cooperation is stable and social deterrence is strong. Door-to-door collection, litigation collection and compulsory auction are staged one after another, and it is unrealistic to want to pay back the money.

However, there are standardized procedures for bank collection, and violence, threats, intimidation and other means are not allowed. Therefore, when all means are exhausted, the bank is really helpless to die-hard laolai, except for regular harassment and regular application for detention. And these people (except those who are too poor to repay) have long lost their reputation and credit, and seem to have picked up a temporary bargain. How will they stand among their relatives and friends in society in the future?

Others asked, can the money owed to the bank be paid back less?

This question, to be honest, can be. But the conditions are too harsh, the process is too complicated, and the authority is too concentrated. Generally speaking, it means more difficult. As employees, no one dares to transfer the creditor's rights privately, resulting in the loss of state-owned assets. Many times collectors say "no", but they really dare not and will not do it. Of course, everything depends on human effort, and there are flexible ways. This depends on specific people, so I won't go into details.

Due to the limitation of space, some professional problems have been brushed aside. This article discusses human nature, not specialty. Paying off debts is a matter of course and an ancient truth.

A person really lives to the point where people collect debts every day, and financial distress is still a trivial matter, and the situation has declined. When a person falls, it is easy to be pushed by everyone, and it is difficult to turn over again.

I hope everyone will cherish their good reputation.