If a person's loans overdue is not paid back, he may experience an unpleasant collection once it is characterized as a malicious breach of contract by the lending institution. Because we pay attention to the loan finance industry, we often see the news that someone was collected by the institution after loans overdue, and the collection methods are varied. In short, no matter how the customer evades or defaults, the institution or the court can find him.

No matter how customers hide, they can't hide after all, because no matter what kind of collection, they all have one thing in common, that is, they hold the "deep social identity information" of customers, including personal basic information such as name, ID number and telephone number. Specifically, it also includes the customer's social relationship, social identity, home address, specific location of hometown, frequent contacts, etc.

If the customer is a student, the organization not only knows the basic identity information of the student, but also knows the school, department, class, counselor and even girlfriend of the student.

If the customer is a social worker, the organization not only holds the basic identity information and assets of the customer. I also know the specific address of his work unit, colleagues, even the boss, and his social relations.

A person's specific information and social relations are quite complicated, so how do these institutions not only come to the door but also contact the customer's friends after the customer is overdue? This is the topic I want to write today.

Let's start with the conclusion. They made preparations before giving loans to customers. These include customer loan application forms, central bank credit information, personal big data, video verification and so on.

Whether it is a bank or a p2p lending institution, the first thing they have to do before lending to customers is to investigate almost all the background information of customers, and the source of the investigation lies in the loan application form that customers are required to fill out.

Anyone who has experience in handling loans or credit cards should know that when applying for loans, whether online or online, institutions will require customers to fill out a loan information form first, and the contents to be filled in this form include personal information, friend information and family information in addition to information such as the amount of application.

Personal information includes name and ID card information, address information, unit information, income information, contact information, personal assets information, etc.

The information of friends and family members to be filled in includes their names, telephone numbers and even contact addresses. When applying for a loan, you usually need to fill in two friends who are in frequent contact, a colleague of the company and an immediate family member.

The information of these people is what the organization needs to contact customers at any time in the future. Before lending, the risk control and audit department of the organization will generally call these people to verify to ensure the authenticity of the information you have reserved.

Even if some institutions are loose and risk control does not call to verify, they have other ways to identify the authenticity of your reserved information, such as verifying your communication records through big data retrieval.

This is about credit reporting and personal big data. As long as people who have made loans or credit cards, they will have their own personal information, information about their residence units when they handled credit business before, and credit information, that is, credit cards and loans they have made. The institution will refer to the customer's credit according to the information on the credit report.

The following are photos of two pages of credit report for readers' reference.

The above two photos are the first and second pages of the same credit report, followed by five pages. Those who are interested in reading the credit report can go to the bank to type their own credit report.

And I suggest that those who use banks or lending institutions to grant credit, it is best to make a credit report by themselves every year.

In addition to credit reporting, basically all small lending institutions will obtain more customer information by querying their own big data.

Rest assured, without the consent of the customer, the organization has no right to inquire about your big data, so they will ask the customer to fill out a love letter and an authorization to inquire about credit information and big data. This power of attorney is a paper version for customers to apply online, and an electronic version for online application.

I don't have any paper photos. The following is a screenshot of the electronic authorization of a loan platform.

I have drawn the picture above with red lines. I just hope you can take a closer look.

And these agreements, customers who apply for loans will hardly read them. Maybe they knew they had to agree to these agreements before they could get a loan, so they closed their eyes and signed them with a stroke of the pen. But they don't look at these, so they don't understand why the organization can know its background like the back of its hand.

By calling up a person's big data, you can learn almost all the information left by this person on the Internet, such as e-commerce shopping information, sesame credit score, loan application, telephone communication records, records in the public security law and so on. Querying big data is to retrieve all the information related to the customer's ID card and mobile phone number through the customer's ID card and mobile phone number.

I can't tell you what big data really looks like in one or two sentences. I'd better put the picture for your reference. The following is a screenshot of the query results of a big data platform.

This is the page related to the inquired loan. You can see credit cards, loans, e-commerce, blacklists, suspicious behaviors, etc.

This is the customer's telephone address book information. You can see how long the mobile phone number has been used, how often the customer has used it, and the number that the customer has contacted in the last three months. You can see who called who, how many times, and the length of the call with the other party.

The above picture shows the customer's communication area map, and the above picture shows the customer's nationwide communication area captured by big data.

The above big data platform belongs to the bottom big data platform in the industry, but even the bottom one can still find out so much information about one person. You can imagine those professional high-end big data credit reporting platforms. How powerful.

Among them, Alipay's Sesame Credit belongs to a relatively high-end and powerful big data credit platform.

Through big data retrieval, you can also see the customer's public security information, such as the photo below. Through the customer's ID card information, the negative records in the public security system were retrieved, and it was found that this person had a history of drug abuse.

In this picture, the registration photo on the left was taken when the person was making a criminal record with the police, and the contrast on the right is the photo on the ID card.

Whether banks and other lending institutions look at credit information or big data, the ultimate goal is to understand the northern background and historical credit records of customers and minimize the risk of lending funds to customers.

In addition to checking big data, customers will also be photographed when signing the loan slip for face video verification. Whether the customer is online or first, there will be this process. When processing offline, there is a camera facing the customer at the signing counter. When processing online, the video authentication will be turned on, requiring the customer to blink, shake his head and open his mouth in front of his mobile phone camera.

These video authentications have two functions. The first is to confirm that I applied for it, and the second is to leave a recent photo of the customer, so as to avoid the customer's overdue breach of contract in the future, and the institution can't find the customer, so that these photos can be handed over to the public security inspection law.

Those overdue and overdue loan customers, knowing this, do you dare to overdue? The organization holds so much information about you, you dare to give you money, not afraid that you will run away. The collection department of the institution or the judge of the court will chase you to the ends of the earth.

This article ends here. I hope all debtors can do it, cherish their credit, and don't choose overdue at any time.

If it is forced to be overdue in any way, please take the initiative to communicate with the credit institution about the later repayment plan. Don't choose to avoid it after the deadline. You know, this is completely unavoidable, so give up the luck as soon as possible.

to be continued ......

Editor: Dou Rongjun