Interest receivable refers to the interest that has reached the interest payment date but has not been received, such as bond investment, and the interest calculated at the end of the accounting period that belongs to the current accounting period. The so-called loan collection refers to the actions taken by the lender in loans overdue, that is, when the borrower fails to repay the principal and interest on time. In practice, the most commonly used means of loan collection is to send a collection notice. A collection notice is a legal document that urges the borrower or guarantor to perform the debt and assume the guarantee responsibility. The Lender may issue dunning notices to the Borrower and the Guarantor separately or jointly. No matter which method is used to send the reminder notice, the reminder notice must contain the contract number, name, loan amount, outstanding amount, repayment of loan principal and interest by the borrower, and the guarantor's performance of the guarantee responsibility. In addition, it should be noted that the dunning notice must be sent in the name of the lender, and it is invalid to send it in the name of the lender's internal organization or loan manager.

2. Is it credible for the bank to entrust a third party to negotiate repayment relief?

Credible. It is legal for banks to entrust a third party to collect money to implement relief. The negotiation of relief may be limited, but banks issue credit cards for profit, not charity. Banks can reduce some interest when collecting overdue users. But it will definitely charge some interest to maintain normal profits, and the third party will charge the company fees.

Third, Ji Zi said that interest rate reduction is effective?

Stupid collection (in order for you to repay, he can complete part of the collection and get a commission)

4. Gitzo's arrears are overdue, and now the third party collects them, and the interest reduction only repays the principal. Is it credible?

The formal platform is credible. In fact, it is credible to say that interest reduction only pays back the principal.

Gitzo Consumer Finance Co., Ltd. was established on 20101010. As a fully compliant licensed consumer finance company, it officially opened in China at the end of 20 10, and its shareholder is Gitzo Group, a leading international consumer finance service provider.

Gitzo is committed to providing responsible financial credit and inclusive finance services to those groups that cannot be covered by traditional financial services, especially those with little credit history. Its business covers more than 300 cities in 29 provinces and cities.

20 10 12. Gitzo Consumer Finance Co., Ltd., one of the first four consumer finance pilot enterprises of CBRC, was formally established in Tianjin.

From 2065438 to 2008, the highest annualized interest rate of Gitzo Xiaojin's loan was 24%. At the beginning of 2020, Gitzo launched the "2023" strategy, and on the basis of the "2023 strategy", it constantly accelerated the pace of "customer-centric" digital transformation.

At the end of 2020, Gitzo's "2023" strategy achieved initial results, and more than 44 million users have registered Gitzo Financial APP. Gitzo Financial APP is online.

Shopping platform Marketplace can provide a "one-stop" consumer finance experience; The first revolving loan product, Gitzo HCPay.