"Five Skills" for Poor Harvest

Collection work is often accompanied by a game of wits and wits with customers, which requires collection personnel to be resourceful, resolute and decisive, and formulate strategies and tactics that vary from person to person. Harvesting is also a very lucky and bitter job. Harvesting personnel must be able to bear hardships and be fruitful. It's no use suffering with light energy. The customer situation is unpredictable and we are always in a passive position. How to carry out the collection work efficiently and let us take the initiative in the collection process requires some methods and skills.

First of all, the collection of loans should be straightforward. Asking for money has nothing to hide, and there is no need for witty remarks. The most effective way is to speak frankly and never say "sorry" or "sorry". The way you speak should depend on the attitude of the customer. Door-to-door collection will be soft, and pre-loan investigation and post-loan management will also be said, so the collection must be justified.

Second, before taking home collection, we must first find out the reasons why customers are overdue. Is it negligence or intentional? If the borrower has a bad temper, exports hurt people, avoids confrontation with customers, and can't do excessive behavior, different collection measures should be taken according to different situations. Because our purpose is to recover overdue loans, not to cause trouble.

Third, the collection staff must have a kind of perseverance to persist in this work for a long time. Even if customers treat you like a beggar unreasonably, they should bear the burden of humiliation, stick to their positions and run away from the enemy. As long as there is a little hope, we can't give up, let alone sympathize with each other. Instead, we should make our customers sympathize with us and understand our difficulties as due diligence employees.

Fourth, when meeting with customers in the actual collection process, you must be fully prepared before the negotiation, and what may happen during the interview should be foreseeable. The more comprehensive you think about the situation in advance, the easier it is to take the initiative in the negotiation and the greater the possibility of winning the negotiation. Therefore, when interviewing customers, we should pay attention to the following points in order to better grasp the initiative and achieve the purpose of quick payment. 1. Find out each other's intentions. In the process of communication, find out whether the other party has procrastination and procrastination thoughts. 2. Know each other's strength. In the process of communication, judge and understand the strength of customers, and analyze whether they have the ability to repay but have no willingness to repay, or whether they have the willingness to repay but have no ability to repay. 3. Find each other's weaknesses. Find out the weaknesses of customers in communication, understand the results that customers are most afraid of and what they are most afraid of, what customers are most afraid of and what they are most afraid of, and use their fears to urge them to repay their debts. 4. Eliminate each other's illusions. Some customers are lucky. I can't repay them now anyway, and you can't do anything to me. If you want to sue, you can sue. Even if you sue the court, you can't treat me like a fool. Then, based on the loan contract, various collection measures and means are properly used to curb customers' thoughts of not wanting to repay and eliminate customers' illusions of not repaying.

After talking with customers, we must make a preliminary collection plan and repayment plan immediately, and we must implement it according to the plan, because this is a contest of mutual integrity. At this time, customers are actually observing our attitude. If the customer fails to complete the plan, we must have a set of remedial measures to keep up in time, so as to let the customer know that the consequences of not fulfilling the promise will be very uncomfortable. At this time, we must interview again or come to collect the loan in time, and intensify our work until the loan is successfully recovered.