Usually, based on the analysis of the existing collection effect, we will decide whether to collect internally or outsource.
For example, according to the industry experience, M0 m 1, as long as the telephone collection, etc. The effect that can be achieved, exceeding M2, requires other means, and the cost is high.
So if it is a newly established small loan, it can be outsourced first. On the basis of accumulating certain data, it is better to decide whether to establish your own collection team according to the cost estimation.