Is the bank dunning message really fake?

In fact, the short message starting with 106X is a number segment issued by the Ministry of Industry and Information Technology to value-added service providers, which is used for mass sending of short messages. The short message number at the beginning of 1068 is mainly the number of the mobile operator and belongs to the spare number segment. The mobile operator subcontracts the segment beginning with 1068 to other enterprises for office or marketing promotion.

Therefore, most of the collection messages received by borrowers starting with 1068 are true. However, when the borrower receives the text message, he also needs to determine whether he really has loans overdue. If there is no loans overdue, but you receive this overdue text message, it must be someone using their own information to borrow money, or it is a fake text message directly.

Generally speaking, if there is "unsubscribe back to T" at the end of the collection message, many of them may be false news. If the short message does not indicate the borrower's overdue amount, borrowing time, overdue days, etc. Nine times out of ten, it is also false.

Collection is to use communication equipment such as telephone messages as a tool to communicate with customers and convey the repayment amount and repayment time to debtors. By putting pressure on the debtor or his family to achieve the purpose of repayment.

Telephone collection has several advantages. First, safety, because in the process of door-to-door, after all, people want money, and everyone is proud of it. Faced with some details such as repayment time and repayment method, some disputes will certainly arise, which will easily lead to contradictions. In the final analysis, it is to ask people to pay back the money. Therefore, the telephone collection provides a relaxing space and ensures the safety of the collection personnel.

Followed by efficiency and convenience. As long as someone answers the phone, you can directly urge the customer to pay back the money. If customers forget, they can call several times to remind them and increase the frequency of calls.

Thirdly, with the improvement of computer-aided system, after telephone collection, we can make a record and feedback on some details, contact information, repayment willingness and repayment ability of the debtor, and adjust a collection strategy at any time to prepare for subsequent collection.

Fourth, there are many auxiliary tools for telephone collection. For example, SMS, email, WeChat, and even mail. Help in various ways to achieve the goal of recovering arrears.

Fifth, the cost of telephone collection is relatively low, which can also avoid some legal risks. At present, the telephone charges of the three major communication operators are relatively low, and some professional calling software. It's also cheap to make a phone call. Telephone collection does not require direct contact with borrowers, and it also avoids some legal risks.

Telephone collection is an indirect way, and it also eliminates the restriction of a region. At the same time, it is also a collection method with the lowest cost and better effect. But because communication technology also has its limitations, because you don't face customers, what customers say may be true or false. You can only judge the truth by your own experience.

There was a situation before. Call the customer and the customer said to deposit it in the bank. Later, I saved money and turned off my phone and disappeared. Then I called the customer's wife to know that the customer didn't go to the bank at all, but went to work in the company. If the customer's mobile phone is down or the number is empty, they can only contact by other means. If it is a malicious evasion of repayment, it is difficult to find him through these devices without answering the phone. Therefore, telephone collection also has its limitations.