First of all, the collection of loans should be simple and clear. Asking for money has nothing to hide, and there is no need for witty remarks. The most effective way is to speak frankly and never say "I'm sorry" or "I'm sorry". The way you speak depends on the attitude of the customer. Door-to-door collection will be soft, and pre-loan investigation and post-loan management will also be said, so the collection must be justified.
Second, before taking door-to-door collection, we must first find out the reasons why customers are overdue. Is it negligence or intentional? If the borrower has a bad temper, exports hurt people, avoids direct conflict with customers, and can't do excessive behavior, different collection measures should be taken according to different situations. Because our purpose is to recover overdue loans, not to cause trouble.
Third, the collection staff must have a kind of perseverance in order to persist in this work for a long time. Even if the customer treats you like a beggar unreasonably, you should bear the burden of humiliation, stick to your post, get cold feet and run away. As long as there is a little hope, they can't give up, let alone sympathize with each other. Instead, they should make customers sympathize with us and understand our difficulties as employees of due diligence standards.
Fourth, when meeting customers in the actual collection process, you should be fully prepared before the negotiation, and what may happen during the interview should be predictable. The more comprehensive you think about the situation in advance, the easier it is to take the initiative and the greater the possibility of winning the negotiation. Therefore, when interviewing customers, we should pay attention to the following points, so as to better grasp the initiative and achieve the purpose of quick payment. 1. Find out each other's intentions. In the process of communication, find out whether the other party has "procrastination" and "procrastination" thoughts. 2. Know each other's strength. In the process of communication, judge and understand the strength of customers, and analyze whether they have repayment ability but no repayment will, or whether they have repayment will but no repayment ability. 3. Find each other's weaknesses. Find out the weakness of customers in communication, understand the results that customers are most afraid of and what they are most afraid of, what customers are most afraid of and what they are most afraid of, and make good use of customers' fears to urge them to pay their debts. 4. Eliminate each other's illusions. Some customers are lucky. Anyway, I can't pay them back now, and there's nothing you can do about me. If you want to sue, sue, even if you sue to the court, you can't treat me like a fool. Then, based on the loan contract, we should properly use various collection measures and means to curb the idea that customers don't want to pay back and eliminate the illusion that customers don't pay back.
5. After talking with the customer, we must make a preliminary collection plan and repayment plan immediately, and we must implement it according to the plan, because this is a contest of mutual integrity. At this time, customers are actually looking at our attitude. If the customer fails to meet the plan, we must have a set of remedial measures to keep up in time, so that the customer knows that the consequences of failing to meet the promise will be very uncomfortable. At this time, we must do another interview or go to the door to collect the loan in time and intensify our efforts until the loan is successfully recovered.