Banks usually call overdue borrowers. What laws and regulations does the state have on bank collection?

Does the state have any laws and regulations on bank collection? Of course there is. Commercial banks shall not collect debts from customers in violation of laws, regulations, public order and good customs, and shall not harm the legitimate rights and interests of customers or third parties.

Does the state have laws and regulations on bank collection?

The legal collection method is permitted by law, and now many banks have outsourced the collection business. If illegal collection means are adopted, the normal rights and interests of the debtor will be affected, and the rights can be protected by calling the police.

If the collection company is established according to law, it can be said that it is legal for the bank to contract this part of the business to a collection company or a debt collection company. The key point is that so far, our country has not agreed to set up such a debt collection company, that is to say, all debt collection companies or debt collection companies should be illegal, and it is obviously illegal for banks to outsource their business to an illegal enterprise or company.

What laws and regulations does the state have on bank collection?

1. The collection shall not involve the third party of the loan. That is, you can't collect money from a third party other than the borrower, and you can't harass people in the borrower's address book. Banks should clarify the rights and responsibilities of third-party institutions. If there are complaints, the cooperation should be stopped immediately, and the illegal clues should be handed over to the relevant departments for investigation in time.

Second, banks may not entrust institutions to carry out violent collection. It is clearly stipulated in the "Regulations" that banks can't find a third-party institution with violent collection behavior, and if they find it, they will immediately terminate their cooperation.

Third, the collection shall not induce the borrower to repay the loan by usury. Hard and soft collectors will induce borrowers to apply for repayment on other online lending platforms, and a vicious circle will push borrowers to the abyss.

4. Personal information such as the borrower's address book shall not be exposed. Exposing the address book is the most commonly used means of collection, which has a very bad influence on borrowers. The new regulations clearly stipulate that debtors and other personnel shall not be harassed by frequent telephone calls, and personal information such as debtors' debts, overdue and breach of contract shall not be disclosed to other third parties.

What materials do you need to register a small loan company?

1, with articles of association that meet the requirements.

2. The promoters or investors shall meet the prescribed conditions.

3. Small loan companies are organized as limited liability companies or joint stock limited companies. A limited liability company is established by capital contribution of less than 50 shareholders; A joint stock limited company shall have two to two hundred promoters, more than half of whom shall have their domicile in China.

4. The source of the registered capital of the small loan company is true and legal, and all of them are paid-in monetary capital, which shall be paid in full by the investor or promoter in one lump sum. The registered capital of a limited liability company is not less than 5 million yuan, and the registered capital of a joint stock limited company is not less than 6,543,800 yuan. The shares held by a single natural person, enterprise legal person, other social organizations and their related parties shall not exceed 65,438+00% of the total registered capital of the microfinance company.

5. There are directors and senior managers who meet the requirements of post qualifications.

6. Staff with corresponding professional knowledge and experience.

7. Necessary organizational structure and management system.

8. Having business premises, safety precautions and other business-related facilities that meet the requirements.

9 other prudential conditions stipulated by the provincial government finance office.

In our country, people like to deposit money in the bank because of traditional habits. The debt ratio of most banks is very high, but banks can only survive by releasing goods. They can't survive without collecting money from the bank, but they must collect money under the national laws and regulations on bank collection.