As long as the collection method of overdue loans is used correctly, the collection of overdue loans can be completed as required. Leadership's attention is the guarantee to realize overdue loan collection. When the pawnshop appeared in loans overdue and the loan officer could not receive the money, the bank leaders listened to the loan officer's report in time. Bank leaders carefully studied the measures taken by loan officers and pointed out the shortcomings of collection methods and words; For customers who are difficult to collect, the vice president in charge will personally lead a team to collect and urge customers to return the loan as soon as possible. Making a targeted collection plan is the key to the success of collection. After the emergence of loans overdue, we must carefully analyze the reasons why customers are overdue, and find out whether it is because the pre-loan investigation is insufficient and the potential risks are ignored, or because the customer's repayment cash flow has changed, which has affected the repayment ability of the month; Or the customer's willingness to repay has changed and he is unwilling to repay normally. According to the different overdue situations of customers, a targeted collection plan should be formulated. Taking appropriate collection methods is an important way to achieve successful collection. With a targeted collection plan, we should also adopt appropriate collection methods when collecting at home. For example, in the first collection case of a pawnshop, we rushed to the customer's business site for on-site collection when the customer opened the door at 9: 00 in the morning, even if the overdue customer was repeatedly collected. After clarifying our purpose, we analyzed the possible consequences of loans overdue to our customers, and then emphasized the importance that the pawnshop attached to Ben loans overdue, and clearly told our customers that we would solve the possible non-performing loan problem by legal means. While carefully explaining the problems, loan officers patiently explain to customers the serious consequences that legal measures may bring to customers, such as affecting normal business and personal credit. Through hard work, the customer said that loans overdue's repayment was caused by temporary difficulties, and he must try his best to return it in time. There are also collection services of three joint insurance companies in loans overdue. We carefully analyzed the reasons for customers' overdue, and found that 65,438+0 households were in difficulty and their willingness to repay was not strong. We take immediate measures and collect overdue households. On the one hand, it focuses on the collection of overdue households, on the other hand, it clarifies the joint and several guarantee responsibilities for the other two joint insurance companies, and obtains the support and cooperation of the two joint insurance companies. First, the United insurance company repays the loan that should be repaid in this period, then they urge the loan together, and finally. Through the repeated collection of overdue loans, the author thinks that the collection of overdue loans must pay attention to the use of collection methods.

Second, how to effectively collect loans?

Hello: I helped you summarize the basic steps and words of the collection:

1, gradually pressure, step by step to break through each other's psychological defense.

2. If I don't answer the phone or it's no use calling, if I have a spouse, I'll call my spouse. Step 3 call the company. 4. Field investigation and collection. If it's no use calling for collection, you must come to the door. Especially for customers who are overdue in previous issues, the door-to-door collection must be collected as soon as possible, and the attitude of getting the money back must be held. We didn't go there to talk about it by phone, because door-to-door collection is our last resort, so we must be tough, otherwise we will have no way out.

Third, how to collect loans from small and micro enterprises?

During the loan period, the borrower suddenly disappears or dies, or the loan contract is terminated under other circumstances, and the loan needs to be recovered in advance. After the loan expires, if the borrower can't return or doesn't return the loan, it is necessary to collect the loan. Therefore, it is necessary to know about loan collection.

I. Reasons for Borrower's Default and Collection Measures

In the face of the borrower's failure to repay the loan on time, different loans will have different treatment methods. For secured loans, you can directly ask the guarantor to bear the repayment responsibility. If it is a mortgage loan, it can be repaid through legal procedures. You can deal with the pledge to repay the loan according to law. And credit loans, collection will be much more complicated, there are several different situations and corresponding measures.

Situation 1: The borrower has repayment ability, but the credit concept is not strong, which can be corrected by the following measures.

(1) Notify the borrower of repayment in advance before each repayment.

② Education of credit concept. Inform the borrower of the importance of credit record and the consequences of violating credit.

(3) The penalty interest for overdue repayment is high, which makes the borrower know the important consequences of overdue repayment.

Case 2: the borrower's funds are not in place for the time being, and the funds are insufficient when repaying. At this point, take the following measures.

(1) Keep an eye on its operation and monitor its funds.

Situation 3: The borrower is willing to repay, but the repayment ability is seriously reduced, and it will continue and be irreversible. In this case, the following measures can be taken.

(1) the low utilization rate of assets or all assets owing on the loan processing.

(2) If it cannot be returned, it shall be mortgaged with the assets available for repayment in its family property. Or whether the borrower can finance repayment through other channels.

(3) If the loan cannot be repaid, the relevant procedures for the limitation of loan litigation should be improved, and the limitation of loan litigation should be maintained until the borrower has the repayment ability in the future.

After evaluation, if the relief fund of another loan can help it restore its normal production, operation and repayment ability, it can provide another loan to the borrower under the premise of controlling risks, but it must be strictly supervised.

Two, the borrower and its property, business details collection.

No matter what kind of loan defaults, we must first find out the reasons for the default and adopt different collection measures and strategies according to different reasons. This requires a comprehensive understanding and mastery of all the information of the borrower, including

(1) Current situation of the borrower. Including address, physical condition and mental state.

(2) Reasons for the borrower's breach of contract. Analyze what kind of arrears the defaulter belongs to, such as temporary lack of funds, insufficient repayment ability, heavy asset loss or excessive debt.

(3) The borrower's current operating conditions. Understand whether the borrower's current operating conditions are normal. If it is not normal, evaluate the reason and degree of business decline, and whether the deterioration of this business is irreversible or can be improved after taking rescue measures.

(4) Current assets and liabilities of the borrower.

Lending is risky, so is lending to others. We must be clear about the measures to collect loans, so as to deal with the situation of intentional default or inability to repay loans.

Fourth, how to collect the urgently needed money?

If you want to pay, you can write a payment letter yourself, or hire a lawyer to write a payment letter, and then leave a payment record. You can also ask for money at home. Go to their main leaders, not others.