The epidemic affected the next payment. How to collect money from financial companies?

Insiders bluntly said that as an important part of risk control, post-loan management is affected, which means that the whole business will be affected and financial institutions will be under greater pressure. "It's time to fight for scientific and technological strength." After the special struggle to eliminate evils, this epidemic has once again brought the collection industry to a standstill.

It is understood that there are four common collections, which are progressive at different levels, namely telephone collection; Home visit collection; Violent collection; Legal collection.

In this case, in addition to electric reminders, other ways need face-to-face contact, which is impossible to curb the spread of COVID-19 in the current situation of epidemic prevention and control. However, for the requirements of information security and collection system, the traditional electric reminder also requires the collection personnel to work in the company, which is labor intensive and conflicts with the requirements of epidemic prevention and control.

However, the phenomenon of debt evasion did not press the pause button because of the epidemic. On the contrary, recently, many P2P platforms in the process of repaying have announced that the progress of collection has slowed down and the payment is facing difficulties. Two platforms have indicated that the redemption plan has been affected. Among them, it is not excluded that a small number of Lao Lai used the epidemic to fish in troubled waters to the severely affected user groups and deliberately defaulted on repayment.

Faced with the current situation that borrowers are not willing to repay, New Finance has noticed that many financial companies have launched smart products and realized remote collection. Insiders bluntly said that as an important part of risk control, post-loan management is affected, which means that the whole business will be affected and financial institutions will be under greater pressure. "It's time to fight for scientific and technological strength."

1

The collection is limited, and Lao Lai is rampant.

On the evening of February 10, the progress of issuing new loans indicated that due to the epidemic situation, the progress of some collection work slowed down. Xinxin Loan said that with the assistance of relevant departments, the platform coordinated all forces to continue to actively collect, and some borrowers' bank accounts that refused to repay and attempted to maliciously evade debts have been seized and frozen. After the epidemic situation improves, the repayment situation will be further improved.

At the same time, because "the staff can't return to work normally for the time being, a small part of the sixth payment is still suspended and can't be completed as scheduled."

The new loan is not the first P2P platform affected by the epidemic. Previously, "58 Dividends" issued an announcement on the extension of the first phase of the benign redemption plan. Due to the epidemic situation in novel coronavirus, the "58 Bonus" collectors were unable to carry out relevant collection work, so they decided to postpone the unpaid amount of the first installment and complete the payment before February 29, 2020.

In addition, a number of recent P2P announcements indicated that this year's sudden epidemic limited the collection methods, which led to Lao Lai's rampage and decreased the collection effect.

On February 10, Huaxia Xincai said that the company was doing its best to arrange the collection team to resume work. However, due to the restrictions on entering the office and the isolated observation of foreign employees after their return, the company expects to resume all posts until this month 17. Huaxia Xincai said that the planned payment date will remain unchanged in February. However, due to the inevitable holidays and epidemics, the repayment situation is expected to have a significant gap.

February 4th, Yi Yin. Com said that the platform and the lending company do not have the conditions for full resumption of work for the time being, and they need to wait for the relevant departments to verify and pass before they can resume work. At the same time, the epidemic has also had a certain impact on fund-raising and legal proceedings in various places.

It can be seen that due to the delay in returning to work, traffic control and other reasons, the P2P platform has been restricted in various retreats. For P2P platforms that don't quit the network, the impact after lending means that both before and during lending will be affected, so the pressure on these platforms to face the epidemic is still relatively large.

On the other hand, on October 26th, 65438/kloc-0, China Banking and Insurance Regulatory Commission, China issued the Notice on Strengthening Financial Services of Banking and Insurance Industry to Cooperate with the Prevention and Control of Pneumonia Infection in novel coronavirus, pointing out that people who temporarily lost their income sources due to the epidemic should be appropriately inclined in credit policy, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. This policy has become a shield and lifesaver for some laolai, who try to take this opportunity to evade debts by forging false certificates and malicious complaints.

2

A company was summoned by the police to resume work.

According to the news from the window of Kunshan, on February 3rd, Kunshan Fan Hua Information Service Co., Ltd., a collection outsourcing enterprise, was suspected of concealing, delaying reporting or making a false report in the emergency response because it was suspected of not implementing the government's decision to stop work and resume work according to law. The relevant person in charge of the enterprise was summoned by the public security, and the enterprise was ordered to suspend business for rectification.

According to the report, Kunshan Huaying business involves people's livelihood back-office support services and other businesses. Due to related business needs, some customer service work has never stopped during the Spring Festival. As in previous years, during the Spring Festival this year, 6 12 employees of the company still changed jobs. On February 3rd, when the District Economic Promotion Bureau visited the enterprise, the enterprise still had 226 employees (including managers). At present, the company has evacuated all employees and closed its doors for rectification.

According to the enterprise information, Kunshan Fan Hua was registered on 20 10 year 10.5, with a registered capital of120,000 yuan, and 0/00% of the shares of/kloc-0 were held by Shanghai Fan Hua Information Service Co., Ltd. (referred to as "Shanghai Fan Hua"). Fan Hua, registered on June 4, 2002 with a registered capital of 3.8 million US dollars, is a wholly-owned subsidiary of Feiao (Hong Kong) Co., Ltd., and its business scope includes "engaging in the call center business in the second type of value-added telecommunications business by service outsourcing and providing relevant consultation".

According to the data, Orphee Group was established in 1997, mainly providing diversified outsourcing call centers and e-commerce solutions for enterprises, and its customers include many Fortune 500 companies and well-known domestic enterprises. Kunshan Fan Hua is one of its four operation centers. According to the First Consumer Finance report, Fan Hua's outsourcing telephone business involves collection. The company's recruitment also shows that Shanghai Fan Hua once recruited EC personnel for car loan collection of SAIC-GM. Offee's call outsourcing service includes the bill reminder service of credit card issuers.

It is understood that the traditional collection methods are mainly internal collection and external collection, and internal collection is mostly carried out by telephone and foreign visits. If the internal collection is ineffective and the overdue time is too long, many financial institutions will send the account to a third-party collection agency and take a part (even as high as 70%) as the commission fee. A high commission is charged, or some outsourcing agencies resume work without authorization during the epidemic prevention and control period, "committing crimes against the wind."

three

Smart collections began to show their talents.

In fact, in recent years, with the increasing application of intelligent technologies such as AI technology, big data and cloud computing in the field of financial technology, intelligent collection has gradually emerged.

According to Zhaolian Finance, its industry-first "AI Intelligent Brain" integrates thinking algorithm, natural language processing and speech recognition technology, which provides convenient conditions for rapid docking with different business systems, and is matched with business strategies such as post-loan asset management and customer service. During the epidemic, Zhaolian Consumer Finance has enabled about 5,000 intelligent robots to provide services, covering multiple scenarios such as reminding customers, and undertaking 95% of customer service and post-loan asset management.

According to the introduction of Instant Finance, the company launched the "cloud call center" office mechanism for the first time on February 3, and the agents logged into the call center management platform through the PC and WEB application whitelist, thus moving the "call center" home and moving the office anytime and anywhere under the system monitoring, so as to realize the company's customer service and post-loan management personnel to provide services to customers at home in real time.

China Post Consumer Finance also said that after the outbreak, the company suspended the manual on-site collection in time, started the intelligent robot in an all-round way, organized relevant personnel to remind customers of repayment by remote office methods such as SMS and voice, and asked the business and technical teams to go all out to develop the remote collection function.

Su Sui, director of 360 Financial Big Data, believes that AI collection has many advantages compared with traditional collection methods. First, AI collection products such as robots are standardized and will not be driven by interest factors. Second, the robot is controllable, and the special type of work of the collector is prone to emotional fluctuations in the work, which affects the collection effect. The collection robot itself does not have this problem, and the robot's speeches are all manually reviewed in advance, without emotional factors. Third, reduce costs and increase efficiency. Take the 360 collection robot as an example. In the same period of time, humans can make 300 calls a day, and robots can make 800- 1000 calls, which is several times more efficient than humans. AI collection system is easy to deploy and can be expanded at any time according to business needs, which is far lower than the cost of manual recruitment, management and training.

At present, the research and development and application of intelligent collection products are relatively mature in Internet finance companies. For example, Suning Financial's "Chihiro" intelligent collection service system also cooperated with Iflytek to set up the first "intelligent collection laboratory"; The "Zhiniu" collection robot under Paipai Loan is mainly used for early collection, and the collection rate for users who are overdue for 3 days can reach 90% of manual work; Lacarra Jinke's "Little Blue" master is mainly used in the post-loan link to reduce labor costs through telephone robots. Ping An Group's financial accounts also have an intelligent post-loan management system to realize intelligent batch post-loan management.

In addition, banks' acceptance of smart collection products has also increased. For example, Guangfa Credit Card Intelligent Self-service Voice Collection Project won the "Best Self-service Banking Award"; Since FICO CCS automatic voice collection system was introduced into the credit card center of Shanghai Pudong Development Bank, it has saved more than 30% of the collection manpower. O2O Bank Suning Bank has developed a "Chihiro" intelligent collection system for collection.

Previously, the industry believed that it would take at least a long time for intelligent collection to completely replace manual collection. However, this epidemic may promote the popularization of intelligent collection products and change the traditional collection mode based on manual agents. Su Sui believes that in the next year or two, the collection industry will enter the mode of man-machine combination, and finally realize the best form of machine big head and manual assistance.