Basic principles of overdue collection
Generally speaking, in the process of handling overdue items, we must follow the four basic principles of timeliness, gradualness, classification, and recording.
The so-called promptness means that creditors should act quickly and not wait unprincipled. There is a very good saying, "Money will be gone if you wait."
The so-called gradualism means that the recovery process should be carried out step by step. Under normal circumstances, we should negotiate with the other party first. During the negotiation process, we should first understand the reasons for the other party's overdue payment and investigate and understand their situation. , in the early stage, the focus is on understanding and correcting customers, and in the later stage, the focus is on exerting pressure. If there are no special circumstances (for example, the borrower has multiple creditors or the borrower's willingness to repay has seriously deteriorated, and assets may be transferred, etc.), negotiate first and then apply pressure. First apply pressure through non-litigation means and then apply pressure through litigation. Follow a gradual principle.
The so-called classification mainly means that the process of recovery should be divided into categories. Do the easy things first. Some businesses should be focused on. The focus of recovery should also be different for different businesses. Prescribe the right medicine.
The so-called records mean that recovery records must be kept, so as to improve efficiency, reflect results and provide legal evidence.
Basic strategies for overdue collection
It is necessary to formulate targeted collection plans for different customers, find a main collection method according to their circumstances, and combine it with other methods to Make collections. Don't think that a phone call, a text message, or a door-to-door visit can help you realize your debt immediately. You must take the initiative and come to collect debts.
When a loan is overdue, carefully analyze the reasons why the customer is overdue and find out whether potential risks have been ignored due to insufficient pre-loan investigation, or whether the customer's repayment cash flow has changed, affecting the repayment of the month. ability to repay; or the customer's willingness to repay has changed and he is unwilling to repay normally, etc. Develop targeted collection plans based on customers' different overdue situations.
Customers who have the ability to repay but lack the willingness to repay are rational and emotional, based on the loan contract, using legal means as weapons, and relying on moral binding force to agree. Apply pressure, pay attention to both reason and law, and use a gentle and tough attitude to encourage customers to repay.
Customers who lack the ability to repay but are willing to repay should adopt a problem-solving attitude to find out the reasons why the customer cannot repay on time, and discuss a solution to find mutual consent. repayment time point. We rely on reason and emotion, use the loan contract as the basis, use legal means as the weapon, use moral binding force to exert pressure at the same time, pay equal attention to reason and law, and use both gentle and tough attitudes to urge customers to repay their loans. .