I remember that when I was a business manager a few years ago, I personally collected many customers. I saw all kinds of risk problems and hidden stories, and found that if I was careful when doing front-end risk control, maybe a lot of high-pressure collection would not happen.
Story 1:
Mr. A is the first customer I have collected since I joined the bank. He is in the transportation industry and will often drive around in a big truck. He borrowed 2, yuan from our company and paid it back in 18 installments. After the last 1 installments, it became difficult for customers to start paying back slowly. I remember that on a sunny afternoon, my colleagues and I arrived at the address written on the customer application form around 5 pm. The customer rented a self-built house, but the small door downstairs to enter the stairs was closed, so we couldn't get in.
My colleagues and I called our customers for more than a dozen times, but no one answered. We thought it was basically a waste of time this time. When I was about to withdraw my report to the leader, I found that someone opened the door and went in, so my colleagues and I followed it in a wretched way. The customer's address is described as living in 23. After we went in, we knocked on the door for a long time, but no one answered. So I called the customer several times, but no one answered. But in the process of making a phone call, I keep hearing the ringing of the telephone.
Although this is the first time to collect money, I think this ringtone should be thinking of the customer's mobile phone, so I asked my colleague to call again, and I listened at the door. It turned out that the ringtone was actually coming from 22 next door. So we knocked on the door of 22, and even if it was a customer neighbor, we could inquire about the situation. After knocking on the door for three or four times, someone finally opened the door, and it looked almost like the customer on the ID card ... It turned out that he was the customer, and he lived in 22 ... We found someone to collect the money, and we succeeded more than half, so we asked him to repay the money and stood at the door and dared not go in.
I reported the repayment principal, interest and overdue fees of this period to the customer, which added up to more than 1, yuan. I didn't expect the customer to have prepared the money himself. He said that if we came to him, he would give it to us. If we didn't come to him, we wouldn't give it to him ... I glanced at a thick stack of 1 yuan red tickets in the drawer ... I received the money at home for the first time and returned to the store after 8 o'clock in the evening, but I still gave it to him.
Story 2:
Mr. B is one of the few customers who impressed me deeply when I participated in the collection process. At that time, this customer had been collected by many people before me, but the effect was very small. It happened that this task was assigned to me that day. The first thing to do is to confirm whether he is still at his current address.
So at night, I took advantage of the darkness to cover me up to the address he rented. The customer lives in a village in the city, and the arrangement of the houses is very messy. Only how many numbers are written, and little other information is known. So I spent three hours wandering around the village, and finally found the house number where the customer was located. The result was a self-built house. When I saw it, I was forced and the door was closed. So I knocked on the door alone, and someone came out, the landlord and grandmother. Asked if she knew the customer, she said yes. She lived with them for more than two years, and the monthly rent was 3 yuan ... But the customer didn't come back to live for a while, and asked the customer the specific room number. I saw that the customer's room light was still on.
so under the guidance of collection, I decided to look for someone early the next morning and informed the company's professional collection and store manager. Although it was Sunday the next day, I woke up at 6 o'clock in the morning. At the appointed place, I took the collection and the store manager to knock at the door of the customer's room. When the customer rubbed his sleepy eyes and knew our purpose, he showed impatience, saying that he had no money and had a difficult life recently, but today there should be an account receivable, which is about 1 thousand.
So we took the customer to the bank to check whether the account had arrived. Seeing that the customer was reluctant to inquire, I felt that it should be a play. Sure enough, there are still hundreds of thousands of balances in the customer's bank card. At that time, the store manager and the collection asked him to settle the account. The queue customer who had been in the bank for nearly an hour finally got the money. Seeing that a large bag of cash had just been taken out of the bank and had not been heated, it arrived in our briefcase. I think the customer was very reluctant. After all, he had borrowed 1, yuan from our company before.
Story 3:
Ms. C is one of the few "good customers" I have met. She is in her forties, working in a bank, and her salary is about 8, yuan per month. Her husband works as an executive in a state-owned enterprise, and her monthly income is also tens of thousands. Due to the urgent turnover of funds, our company approved 1, yuan for her. It has been quite normal to repay the loan at first, but after several installments, various delays began. It's tiring to collect calls every month. A * * * on the door four or five times is also a stumbling rush back. I remember that the last issue impressed me the most.
Go to her bank to find her. She has moved to another branch, and then I met her at her door. I asked her why her family was so good that she couldn't even pay back eight or nine thousand yuan a month. She said that they used to be very rich. She has four cars and four houses in downtown Hangzhou. Later, she saw that the real estate market was very hot, so she sold all four houses to engage in real estate. As a result, she lost all her money and owed tens of millions of debts. Now she has sold all four cars and rode her own battery car to work. At some point, when we got to the bank, he took out the last installment of money and gave it to me, so that we could have a smooth job.
Story 4:
Boss D, a customer who sells POS machines, has a turnover of 6 million yuan a month. He came to our company to apply for a loan, and finally granted him 6, yuan hastily, and he also came to sign it off. As a result, I couldn't get through to the first repayment phone, so I immediately came to the door and waited in his office for a long time. He told me that the finance had been on the way to transfer money ... After that, the customer's finance hadn't been transferred to the bank at about three or four in the afternoon, and the company still felt that I might be a little shy and couldn't cope with such an old hand.
So I sent two experienced colleagues to support me. When it was a little tough to come in at the same time, the customer started to hit my colleague without saying anything. I immediately called the police when I saw something was wrong. Later, I came to the hospital to check that my colleagues were not seriously injured. That night, we kept taking notes at the police station and didn't go home until after 12 o'clock. This matter has gone away, so we have to entrust a collection company to collect it. This is one of the few cases of violence in which I participated, and micro-credit institutions are victims.
afterwards, I carefully read the customer's information, and found that the customer's credit report showed that it was currently overdue by 6 million yuan ... since then, the harm to the customer's current overdue has deepened. From the perspective of hindsight, at that time, the pre-loan risk control definitely didn't see the customer's current overdue or thought that the current overdue had little impact on the customer.
Although the reasons for the problems of many micro-credit institutions' customers are simple in hindsight and can sniff out clues before lending, they are often ignored by us for various reasons. Therefore, personally, it is more important to be wise beforehand than afterwards. What we need to solve afterwards is often to study how to recover this bad debt.