New collection rules on November 1, 2021

The new collection rules on November 1, 2021 are that even if an individual agrees to provide personal information, he or she has the right to request the platform to withdraw it, and address books or call records are not necessary conditions for providing products or services, so everyone It is an infringement of citizens' personal privacy to advocate that after withdrawing the processing of personal information and still bombarding them with phone calls or text messages for collection.

Explanation of collection:

1. Agricultural products reduce their maturity time and speed up the maturity cycle;

2. A way to recover overdue non-performing assets, usually debt The party itself or entrusts a third party to conduct debt recovery business.

Collection methods:

1. Telephone collection: Collection personnel use the phone to communicate to avoid personal pressure and embarrassment and reduce direct conflicts, but the effect varies from person to person;

2. External collection visits: When phone collection fails, reasonable and legal on-site external visits will be used to assist. External collection visits are a very direct and effective method of collection, used by many banks and microfinance institutions;

3. Outsourcing collection: Entrust non-performing loan projects to third-party collections with corresponding qualifications The company goes into collections. It can save the manpower and material resources of the entrusting unit and rely on professional third-party institutions to better recover arrears, but the cost is higher;

4. Online auction: Under the conditions permitted by laws and regulations, the debtor’s assets Such as houses, cars, debts, etc., can be made into products suitable for retail investors and auctioned on the Internet, so that overdue amounts can be returned quickly;

5. Litigation collection: that is, filing a lawsuit with the court for collection. , the types of litigation include civil litigation and criminal litigation. Litigation collection targets mainly borrowers who have the ability to repay but fail to repay;

6. Expose personal information to put pressure or add them to a blacklist: P2P platforms expose the personal information of overdue users. Collection, but careless operation may lead to suspicion of privacy infringement, and is rarely used in the industry.

According to Article 13 of the "Personal Information Protection Law of the People's Republic of China", only personal information processors may process personal information if one of the following circumstances is met:

(1) ) Obtain the consent of the individual;

(2) Necessary for the conclusion and performance of a contract to which the individual is a party, or necessary for the implementation of human resources management in accordance with the labor rules and regulations formulated in accordance with the law and the collective contract signed in accordance with the law;

(3) Necessary to perform legal duties or obligations;

(4) In response to public health emergencies, or to protect the lives of natural persons in emergencies Necessary for health and property safety;

(5) Conduct news reporting, public opinion supervision and other activities for the benefit of the public and process personal information within a reasonable scope;

(6) ) In accordance with the provisions of this Law, handle personal information disclosed by individuals themselves or other information that has been legally disclosed within a reasonable scope;

(7) Other situations stipulated in laws and administrative regulations.

In accordance with other relevant provisions of this Law, individual consent must be obtained for processing personal information. However, individual consent is not required under the circumstances specified in items 2 to 7 of the preceding paragraph.