The composition of the investigation company is very complicated:
1. Generally, high-level people have good social relations. For example, when doing research, these relationships will play a great role. In addition, when collecting money, they will routinely greet the local management agencies to prevent the recipients from calling the police.
2. Middle-level employees have some efforts and strong spirit, such as some veterans. Such a person is responsible for the implementation, can curb the venue, even if he really hands on it? .
Unless it is a powerful big company, it is a bit difficult for the bottom to recruit serious employees. Can only be some idle people, mostly behind the leader's ass, being bullied and used as a gun.
The charging standard depends on the target, which may be about 20% higher than the target amount and 40-50% higher than the target amount. Once you have signed a contract with them, it is difficult to cancel it halfway unless you pay the full amount.
At present, there are too many laolai in society. Although the collection company has a triad nature, its existence is also a shock to those old lai. I hope I don't have to deal with them in my life.
Hello, we have worked hard in the financial workplace 10 years: Zhang Sheng talks about finance. When it comes to collectors, many people's first reaction is not good. In fact, there are many kinds of collectors, most of whom are just for work. The following Zhang Sheng will explain to you what a collector is:
1, the bank is the collector.
Although compared with other financial institutions, the overdue rate and bad debt rate of banks will be relatively low. However, the bank's loan issuance and credit card circulation are very large, so there are also many overdue personnel, so they have to go in and collect them; Generally, banks only do telephone collection work within 3 months overdue. These collection personnel are generally customer service personnel, mainly telephone collection! Of course, a small number of banks also have the possibility of door-to-door arrangements, but generally it is also the bank staff who come to the door. Of course, overdue for three months is not necessarily the bank's collection, but many outsourcing companies give it to third parties.
2. Financial institutions are collectors.
The overdue rate of financial institutions will be higher than that of banks, so general financial institutions have a post-loan management department, which is the so-called collection department. In fact, it is the staff of the corresponding financial institutions, but their daily work is responsible for collection. This kind of staff is mainly divided into electric reminders and door-to-door personnel. Of course, a few financial institutions will package and sell non-performing assets (mainly bad customers) to third-party companies, that is, outsourcing collection companies.
3. Outsourcing the personnel of the collection company
The outsourcing collection company is a company specializing in collection work. Generally, it is mainly divided into electric urging department and foreign visiting department (door-to-door); Such companies mainly deal with non-performing assets packaged and sold by banks and financial institutions for more than three months. After all, they specialize in this field, so they have many means and methods, so many people are particularly afraid of this kind of collection of company personnel, they are just migrant workers. They may be more violent than banks and financial institutions, but their collection methods are generally legal. Of course, there is the possibility of violence. Remember to keep the evidence and protect yourself by legal means.
4. Collection personnel of private lending institutions
Compared with other collectors, this kind of collector will be the most frightening and frightening. Although their collection methods are also telephone and door-to-door, they mainly come to the door; Their methods are also relatively simple and rude, and they don't pay more attention to the process like other institutions. Such collection personnel are uneven and anyone can. Of course, you don't have to be afraid of such people. Collect as much evidence as possible to protect yourself.
When you see the "collection world", a group of underworld immediately emerges in your mind.
In fact, there are many college students engaged in the collection industry now, many of whom have just graduated.
Regarding this industry, because of legal loopholes and regulatory gaps, lenders and collectors are wandering in the gray area, and it is extremely absurd.
For job-seeking partners, the threshold of collection industry is low, and people who have basically received compulsory education, can speak and have normal IQ can be competent. At present, most companies have set academic requirements, but those with outstanding job-setting ability can make an exception.
The income of the collection post is higher than that of other clerical posts, so it is also favored by many job seekers.
Collection is generally divided into telephone collection and door-to-door collection.
Call collection means making a phone call in the office without going out.
They come to Cui's house to collect money, they need to travel, and they also have their own professional methods, instead of going to other people's houses to fight, smash and rob, as shown on TV.
The duties of the Commissioner of Taxation are as follows:
1, responsible for the management of overdue credit card accounts and the registration and classification of customer information in arrears;
2. For customers with short overdue time, credit card overdraft should be collected by phone or letter.
3. Carry out door-to-door collection for customers who have been in arrears for a long time, and carry out legal collection for those who have defaulted maliciously;
4. Timely record the collection and repayment, and update the debtor's relevant information;
5. Assist in the management and analysis of commercial account data, and summarize the collection experience and lessons;
6, complete other work arranged by the superior leadership.
Generally speaking, at the beginning, they are all staff members of arrears institutions, and their attitude is relatively mild. In the medium term, it will be outsourced to some collection agencies, and many of them are unemployed. Normal people can't do this job. After the collection agencies still don't want money, the debt collectors they will find are gangsters and street hooligans. They are fierce, fierce and scary, but with the improvement of the law, this kind of business is also a dark business, and these are all. . . . . You know!
Now it is a society ruled by law. When collecting money, keep good evidence to protect your rights and interests. You just owe money without losing the rights and interests of a citizen!
To sum up, please try to repay the loan (except usury, 74 1, etc. Don't panic when you encounter something, protect yourself, protect your rights and interests, and keep the evidence!
After several months of collection work, I want to talk to you about the present and future of collection. In terms of collection, although small loans are similar to credit cards, credit cards are handled cautiously, and they will be complained if they are not careful, because in recent months, the state has begun to focus on the compliance of collection, which has made some old lai more lawless, and the performance of collection salesmen has plummeted, and the corresponding income has also been greatly affected.
Although the country strictly investigated, the collection company still had to survive, so it began to study policies and explore some gray areas. They didn't do anything illegal on the surface, but they did it quietly, just turning the previous step into three steps.
At present, the bank's bad debts are too large to be digested by the state alone, and will be privately owned in three to five years, but for the future, I think private collection companies will definitely be banned by the state.
In the future, the country will definitely re-enact the treaty of breach of contract and breach of trust and strengthen cooperation among various departments. All financial institutions permitted by the state can directly obtain their personal credit information and evaluate cardholders. When the cardholder is seriously overdue, the financial institution can directly obtain his own detailed information, which is convenient for understanding the debtor's economic situation and contacting the debtor. Financial institutions no longer need outsourcing, only need to establish overdue customer service reminder departments, and do not need to put pressure on debtors. If the policy of not enjoying public welfare (medical care, social security, education, transportation, etc.) is not implemented. ), the materials provided by the organization will be directly handed over to the public security and the court for enforcement.
But the main purpose of the loan is to make a profit and stimulate consumption. If it is enforced, who dares to lend? This is another social and economic problem.
There are all kinds of collectors, but most of the collectors I contact are enthusiastic and positive. Like the general public, they hope to exchange their efforts for a better future. People should not look at things with colored eyes. Legal and compliant collectors should be respected by everyone.
Judging from the collection calls received several times, it is estimated that there are two kinds of people who do the collection: First, employees of financial institutions remind some customers who are overdue for the first time. This kind of collection attitude is generally mild, mainly reminding and notifying, which at most means the subsequent impact of overdue on the debtor.
The second is a professional collection agency, that is, urging dogs online. These people generally have a bad attitude. Even if they don't say hello to the whole family, they will say some ugly things. Such people are generally not original and have no professional skills. After all, there is no threshold for dry revenue and a high commission.
In a word, but what should be collected is still being collected, and nothing good has happened. I advise you to be cautious in lending!
For example, in the past, residents went to settlement points, such as nearby collection points to pay more. Now some elderly people still go to the post office supermarket to pay, and most young families can pay online through mobile phone Alipay.
Sometimes I forget to pay the fee when I am on a business trip or traveling, which has delayed a certain time. These related charging units will not send people to collect money at home, but will notify the arrears of the month online through electronic files and mobile phones. After a certain period of time, I will also pay the late payment fee.
And dunning is a more exciting statement. Generally, the lender or seller will send someone to call for payment between units or between units and individuals when necessary. If the matter cannot be solved satisfactorily, the lender will often go to court and hurt the peace.
Therefore, the collection work is mild and easy to solve, generally without people, and can be solved through modern new tools.
Personal opinion, inappropriate, please correct me.
Doesn't the country know how many difficulties have been brought to people by a series of problems caused by the epidemic? Why are banks allowed to do this?
Generally speaking, they are lazy people, and there are those who have no relatives at home and are uneducated and uneducated. Most people don't go, just find a job and earn thousands of dollars. Gancui's dog industry is basically people whose parents died young, their education was lacking, and they were as poor as a church mouse.
Why are people who owe money in this society so eloquent?
Is it really good to continue like this?
It doesn't matter if the anti-aircraft gun is not returned.
But is it really impossible for a formal platform bank?