Prior to this, the financial supervision department strictly prohibited the transfer of personal non-performing loans of banks, and one of the most important factors was the fear of violent collection after the transfer. However, the current economic situation is not quite the same as in previous years, and both borrowers and lenders are facing great pressure. On the one hand, financial regulators need to consider the overall financial security, on the other hand, they should also consider the feasibility of policy implementation and the secondary pressure.

Generally speaking, for loans, if they are mortgage loans, such as mortgage loans and car loans, the financial risks faced by banks are actually not great, because the loans have been evaluated before, so even if the repayers are overdue, banks can recover the loans through normal judicial auctions. The most difficult thing is the credit loan, because it is completely guaranteed by the borrower's personal credit, so once it is overdue, the bank can only recover from the borrower normally, and the rest can only be through professional loans. At present, the country is building personal credit information, but in fact people also attach great importance to credit information. But really, when you have no assets to repay, you can only watch yourself blacklisted. For banks, what they are most afraid of is this kind of person who poses as a dead mouse and can't touch the cold.

In fact, to put it bluntly, even if the financial supervision department releases the transfer of personal non-performing loans of banks, the units undertaking these businesses are only because banks handle personal non-performing loans at low prices, so the units undertaking them must try their best to recover debts from debtors. Imagine that if normal recovery is useful, the bank must have recovered it, and it is certain that the bank has no way to recover it further, so it has handled the non-performing loans at a low price. Therefore, for the borrower, if you are overdue, if a third-party institution comes to you for dunning, it is estimated that the pressure on the borrower will be even greater.

However, borrowers need not worry too much. After all, the scale involved is very large. The financial regulator is only discussing with all parties now. Even if it is really implemented, it will be tried on a small scale first. If the borrower is really under great repayment pressure, or because the epidemic is about to be overdue, the first thing to do is not to evade, actively negotiate with the bank, first inform the bank of your attitude and your actual situation, and strive for ways acceptable to both parties, such as delaying repayment or installment.