Hello, CreditEase Collection will not find your current unit through five insurances and one housing fund.
1. Lending industry: Collection is a civil act to remedy corporate bad debts or personal debts. The two parties involved in collection are the creditor and the debtor. If the debtor is unable or unwilling to repay the debt, the debt collector will use some civil methods to put pressure on the debtor and urge it to fulfill its debt. The target of collection is "bad debts". When companies or individuals are unable to collect bad debts or arrears, the collection industry is born.
2. Formal collection usually starts with a text message reminder, followed by phone collection, letter collection, door-to-door collection, and legal collection. This involves not only information collection within the legal framework, but also the protection of the debtor's legitimate rights and interests. For the entire debt collection industry to become transparent and legalized, it requires the joint promotion of the government, enterprises and all sectors of society, and in-depth efforts in many aspects.
(1) First of all, there is an urgent need to clarify the specific competent authorities, formulate legal provisions related to the debt collection industry, and further improve regulatory policies and legal systems so that debt collection behaviors are legally based. The United States, Hong Kong and Taiwan have formulated special debt collection laws and regulations, which are worth reference.
(2) Secondly, corresponding self-discipline conventions for the debt collection industry should be issued to carry out self-regulation and self-regulation within the industry. For example, collection companies can be required to disclose their standardized business process systems, complaint handling systems, etc.
(3) Thirdly, timely attention should be paid to the development of high-tech debt collection methods to better balance the relationship between obtaining debtor information and protecting citizens’ privacy. For example, some companies currently use artificial intelligence and other technologies to carry out smart collections, including automatic lost contact repair, relying on big data to build collection models, and using front-end robots to send voice paging and batch text messages.
: 1: What are five insurances and one fund?
"Five insurances and one fund" refers to five insurances and one fund. The "five insurances" include pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; the "one fund" refers to the housing provident fund. Among them, pension insurance, medical insurance, and unemployment insurance are premiums paid by both enterprises and individuals; work-related injury insurance and maternity insurance are fully borne by enterprises, and individuals do not need to pay. What needs to be noted here is that the "five insurances" are legal, but the "one fund" is illegal.
On March 23, 2016, the “Thirteenth Five-Year Plan” outline proposed the combination of maternity insurance and basic medical insurance. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one fund" may become "four insurances and one fund". On December 19, 2016, the Standing Committee of the National People's Congress reviewed the relevant draft decision and proposed authorizing the State Council to temporarily adjust and implement the relevant provisions of the "Social Insurance Law of the People's Republic of China" within the administrative region. There are 12 pilot cities including Handan City in Hebei Province that combine maternity insurance with basic medical insurance. It is planned to pilot the maternity insurance fund into the basic medical insurance for employees in 12 places including Handan and Zhengzhou.