The customer will not reply to the loan prompt that is about to expire. There are generally several possibilities: 1, the customer is too busy to see or forget for a while; 2. Customers are too lazy to reply when they see that they will repay on time; 3. The customer can't turn over the funds in his hand now; 4. The subjective consciousness of customers is that they don't want to repay.

At this time, you can call the customer or visit him at home to remind him that the loan is about to be overdue. If it is overdue, inform the customer of the consequences. Don't be guilty, don't be too tough, just be neither humble nor supercilious. You know, if a non-performing loan is formed, the account manager himself will be the most affected. Because most banks are in non-performing loans, account managers have to bear most of the responsibility. After all, you didn't check this customer strictly at first, and didn't find out the customer's personality.

If the formal dunning is invalid and overdue for many times, refuse to contact. Then be vigilant! This client is probably dead. Many kinds of collection methods are really useless in front of Lao Lai, especially the loan without collateral, and the other party refuses to repay it on the grounds of my poor management. A colleague of my former unit put in a credit loan, and the customer died and refused to pay it back. Finally, the account manager will move the luggage, eat and live in the customer's house, and I won't leave without repayment, otherwise he will have to leave.

Therefore, it is necessary to observe the customer's business situation and actual repayment ability at ordinary times, and take decisive measures to seize collateral when necessary. And take formal collection and prosecution to recover the stolen money.