How to do a good job of overdue loan collection

Credit card overdue bank collection method is open

There are five main ways for banks to collect credit cards:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 days to 15 days overdue. SMS mainly plays a reminder function.

The second is telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

The third is door-to-door collection. Mainly for those overdue for more than 90 days, the bank will arrange for the collection personnel to call the cardholder's residence or work address to collect the repayment.

Fourth,. Mainly for overdue for more than half a year, the bank will apply to the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue loans exceeding 1 year, the bank will package and discount the overdue funds to the outsourcing collection company, which will be responsible for the overdue debt collection.

It should be noted that the preferential recovery activities of banks are generally aimed at penalty interest, while the principal is generally not enjoyed. For example, the method of encouraging repayment by discounting adopted by Minsheng Bank last year is also a disguised collection strategy, which is mainly aimed at cardholders whose overdue penalty interest exceeds 1 year. Banks will reduce the penalty interest to a certain extent to encourage cardholders to repay as soon as possible and ensure the safety of the bank's principal. Short-term overdue cardholders generally cannot enjoy this policy.

There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and the intensity is gradually increasing.

Consequences of late payment

1, paid back a lot of money, plus the interest that has rolled into a mountain. Either way, the result is basically that the card friend repays honestly. At that time, it will not only be overdrawn. Plus five ten thousandths of the daily interest, maybe the final interest will be several times the principal.

2. Credit stain. Overdue will exist in the personal credit information system for 5 years, and will continue to affect the cardholder's life such as loan, house purchase and car purchase.

3, reputation, and family. If it is recovered by the debt collection company, not only E69DA5E87AA7A686964616F3133336366236 will be ruined, but also it may bring trouble to the family.

Second, how to collect overdue loans?

Overdue means that the borrower fails to repay the loan principal and interest on time as agreed in the original loan contract, or there are signs that the borrower cannot repay the loan principal and interest on time as agreed in the original loan agreement, and he will bear the corresponding responsibility for overdue performance.

Lending is the beginning of our work, and successfully recovering the loan principal and interest is the ultimate goal of our work. Risk control is an important link in the whole process of loan, which not only ensures the safety of loan, but also better safeguards the credit of customers and further promotes the increase of loan amount.

Reasons for overdue

(A) the customer's reasons

After the customer borrows the loan, he will start to repay the loan and interest in equal amount every month. In this process, overdue often occurs, mainly due to the following reasons:

1. Customers don't pay much attention to their credit.

2. The first loan customer was dragged down by receivables, and the repayment date of Zhongan's payroll loan customer was different from the payday. 3. The customer is on a business trip to other provinces, and the balance of the entrusted transfer account is insufficient, which leads to the failure of financial deduction.

(B) the salesman's own reasons

After completing the whole loan process, the salesman often thinks that the business has been completed, and the lax thinking has caused some mistakes in the collection work, ignoring the detailed work, which has led to the overdue of the borrower. The specific work mainly includes the following points:

1. Whether the borrower has been notified before the due repayment date. 2. Whether the notification items are expressed accurately and clearly.

3. Whether to carefully track the financial deduction and make a second notice.

4. Whether to make customers pay attention to the importance of personal credit, and reverse the idea that customers delay and rely on repayment.

Basic flow of overdue control work

Reasonable and standardized workflow can make our work get twice the result with half the effort, and overdue control emphasizes the importance of the process. We initially divided overdue control into three time periods, each of which is closely related. Failure to implement the previous period will seriously affect the follow-up work.

(1) repayment notice

Notice of repayment is the basic premise of overdue control, mainly by informing customers in advance by telephone to ensure that there is enough balance in the entrusted transfer account, so that we can successfully deduct money through the financial link.

When notifying customers of repayment, it is more important to choose communication time. It is best to choose the afternoon after lunch break. Sometimes customers can't be contacted in the morning, but the specific situation is different and can be treated differently.

Specific operation:

1. Business personnel notify repayment:

(1) Notify the customer one day before the repayment date and inform the specific amount.

(2) Determine the repayment method.

(3) Whether there is money in the account and whether it is sufficient.

④ Determine the repayment time.

2. Matters needing attention in the notification process:

(1) If the phone number has been changed, please ask the new contact information through the contact person.

(2) If the phone is turned off or nobody answers, notify by SMS.

(3) If the customer requests to change the debit account number, he/she needs to fill in a new debit authorization at home.

⑵ Payment tracking

Payment tracking is mainly a test to inform customers of their repayment situation, and it is a powerful measure to judge whether customers have cheating, procrastination, shirking, evasion and other ideas.

We can choose the last two days of the customer's repayment period to track the customer's repayment:

1. Check the financial deduction.

2. Get communication and take corresponding strategies as appropriate.

3. Advise customers to return cash and keep good repayment records of customers. 4. Dispel the procrastination of customers and take corresponding collection measures. (3) Overdue collection

When the customer exceeds the repayment date agreed in the contract, it will appear on the overdue statement in the future. The collection work during this period is very important. We should effectively collect different overdue customers through the rational use of various collection techniques, and dispel the idea of delaying, dragging, pushing and hiding overdue customers. Guide customers to repay on schedule. Common overdue collection will be introduced in detail in the following collection skills.

Basic methods of overdue control

In terms of controlling overdue, we must first strictly follow the original process. Of course, the process can be continuously improved with the continuous increase of our inventory. At this stage, we still need to strictly control the overdue control work according to the above basic processes, and we must really implement the work in every detail at every time period and stage.

Control before loan

Mainly through our long-term post-loan collection process, we summarize and sort out some better suggestions for more common cases and feed them back to the audit post and business post to control the risk to a minimum.

Key points of pre-lending control:

1. Expand business volume under the premise of risk control.

2. Understand the characteristics of overdue industries.

3. Understanding of regional features that are easy to be overdue.

4. Understanding of behavioral characteristics when applying for loans.

Don't let your guard down on old customers.

6. Risk control gambling, gambling and other bad hobbies.

Post-loan control

Post-loan control mainly starts from two aspects: one is to increase the intensity of informing customers of repayment in advance, the other is to improve the skills of overdue collection, and then comprehensively control overdue.

Key points of post-loan control:

1. Visit customers after loan.

2. Do a good job in updating and registering customer information.

3. Do a good job of customer repayment notice.

4. Do a good job in overdue collection of problem customers.

Collection skills

In the process of overdue collection, we must first clarify our position and achieve our goal through communication. We should adopt different attitudes and methods for different customers and different overdue situations.

① overdue collection preparation

1. Improve one's sense of responsibility: The so-called sense of responsibility is an individual's understanding and belief that he is responsible for the company, and the corresponding conscious attitude of observing norms, taking responsibility and fulfilling obligations, which is a catalyst for capacity development. We should have a sense of responsibility to successfully recover the principal and interest of every loan we issue.

2. Improve your self-confidence: By self-confidence, we mean that we fully believe that we have the ability to recover all the loan principal and interest. In the process of collection, self-confidence is particularly important, which is related to our confidence in communicating with customers.

3. Expand knowledge: Everyone's knowledge plays an important role in the whole overdue collection process. We should learn the products thoroughly, read the loan contract well, improve our financial knowledge, legal knowledge and mathematical knowledge reserves, and improve our language communication ability, public relations ability and analytical ability.

4. Basic etiquette of collection: To help customers solve problems continuously, we should maintain a relationship of mutual trust and respect with customers, be strict with things, be friendly to people, minimize the friction with customers, avoid the consequences of recovering funds but losing people's hearts, and try our best to recover loans through friendly negotiation.

(B) the basic skills of overdue collection

Collection skills play a leverage role in overdue collection. Reasonable use of various skills for different overdue customers will make our work handy and get twice the result with half the effort. Everyone has his own characteristics and skills, so we should constantly communicate with other colleagues, learn from each other and improve ourselves.

1, basic skills:

(1) Find out the intention of the other party: In communication with customers, we need to know whether the other party has procrastination through some questioning and answers from customers.

(2) Understand the strength of the other party: We should understand the strength of customers through various judgments in communication with customers. Is the customer able to repay but unwilling or unwilling to repay? Different collection methods are used in different situations.

(3) Find the weakness of the other party: Before collection, we should check the customer's files, find out the weakness of the customer through contact with the customer, and then urge the customer to repay the loan on time.

(4) Eliminate the illusion of the other party: Some customers have an illusion that they will get rid of the borrowed loan and will not repay it. We should jointly exert pressure based on the loan contract and use legal means as a weapon to eliminate the illusion of the other party.

2. Four typical customer collection skills:

(1) Normal communication: excellent service, clear time and amount to customers, and good attitude. It is necessary to establish long-term trust with customers through expiration tips in order to introduce new customers. In the attitude of solving problems for customers, the importance of timely repayment is emphasized.

(2) Lost contact: If you can't contact me through contact person, mobile phone address book, guarantor, etc. Require the guarantor to fulfill the guarantee obligations and pay off the debts due.

(3) Customers who have repayment ability but are unwilling to repay: Be rational and emotional, and urge customers to repay with the attitude of taking loan contract as the basis, legal means as the weapon, moral binding force as the common pressure, paying equal attention to reason and law, and combining hard and soft.

(4) Customers who lack repayment ability but are willing to repay: In the attitude of solving problems, find out the reasons why customers can't repay on time, discuss solutions, and find a mutually agreed repayment time. Understand it with reason, move it with emotion, take the loan contract as the basis, use legal means as a weapon, exert pressure together with moral binding force, pay equal attention to reason and law, and combine hard and soft to urge customers to repay.

(3) Service quality of overdue collection

Overdue collection is not only to successfully recover our loan principal and interest, but more importantly, we should publicize the importance of our company's publicity and reputation to customers, express our willingness to serve, establish our brand and expand our influence.

Third, how to urge banks to collect money?

Bank loan collection procedures generally follow the following steps:

(1) Within 90 days of overdue, select SMS, telephone and letter for collection.

(2) If the borrower fails to fulfill the repayment obligation for more than 90 days, it will issue an "early repayment notice" to the borrower, and has the right to require the borrower to repay all loans in advance and pay the default interest during the overdue period.

(3) If the repayment period specified in the prepayment notice expires and the repayment obligation is not fulfilled, an agreement will be reached with the borrower on the disposal of the collateral.

④ If loans overdue lasts more than 65,438+080 days, the borrower who refuses to repay the loan will be sued and the collateral will be disposed of; The proceeds from the disposal of collateral shall be used to repay the loan interest, default interest and principal.

Four, how to do a good job of overdue loan collection.

If the debtor is overdue and negotiation is hopeless, collect and master the debtor's property clues as soon as possible, sort out the evidence of the loan relationship, and make preparations. Banks and small loan companies generally have a clear loan relationship, and it is very simple to get a successful judgment. The ordinary trial procedure is closed in six months, and the summary procedure can be applied to the first instance at the grass-roots level, and the case is closed in three months. But the difficulty lies in the implementation of the program, whether there is any property to be implemented, and how much surplus value there is. But there is no doubt that litigation is the best way out. It takes a long time from filing a case to getting the execution money, so we should be prepared for long-term litigation.