It should be noted that after the financial institution starts insurance payment, the record of insurance payment will be displayed on the credit report. As long as this compensation exists in the credit information, it will affect the financial transaction between the debtor and the bank. And it needs to be paid in full.
With the increasing number of online loan applicants, major microfinance platforms will choose to cooperate with insurance companies in order to enhance the risk control and management of debtors. In the case that the borrower cannot collect the arrears, the insurance company will repay the arrears on behalf of the borrower, which is what we often call insurance compensation. Then, can you negotiate repayment after insurance compensation?
Can I negotiate repayment after insurance compensation?
After clearing the arrears, we can give new credit reporting opportunities.
When an insurance company or a guarantee company claims compensation, it will adopt the principle of combining rigidity with flexibility. The repayment amount is generally not negotiable, but the repayment time and method can generally be negotiated. Recovery refers to the insurer's claim for compensation from the responsible party outside the case after making compensation for the losses caused by the insurance accident. Several common recovery methods of insurance companies or guarantee companies require borrowers to repay in one lump sum; Require the borrower to repay in one lump sum through legal channels; If the borrower's repayment ability is insufficient, it can be repaid in installments or postponed. Article 1 of the Measures for the Administration of Compensation and Recovery of Guarantee Business. At the time of compensation, the company shall perform the guarantee responsibility in strict accordance with the cooperation agreement with the loan bank. Before the actual payment, the relevant responsible departments and personnel should fully carry out the risk resolution work.
Article 2. Principle of risk disposal of compensation project
First, adopt the principle of bank support. Regardless of whether the risk-related projects are in the overdue or compensatory stage, we should strengthen information communication with banks, strive for their support and understanding, and make full use of their advantages to resolve risks, such as collecting loans in advance, freezing settlement accounts, and filing lawsuits in advance.
The second is the principle of combining rigidity with softness. Take corresponding measures according to the customer's business situation, cooperation degree and risk severity, and combine litigation recovery with non-litigation recovery.
The third is the principle of unity of efficiency and benefit. In order to reduce the loss of guarantee compensation, we should pay attention to the analysis of recovery cost and income. Generally, specialized personnel are mainly responsible for recovery and litigation, but for projects with complex creditor-debtor relationship, many legal disputes and difficult recovery, external lawyers can be used as risk agents.
Fourth, the principle of flexible and quick response. Form a regular and irregular risk reporting system, smooth up and down information, make quick decisions, unlock with one key, and pay attention to capturing the powerful opportunity to resolve risks.
5. Principle of confidentiality. A strict custody system shall be established for the data of risk-related projects, and relevant information shall not be disclosed, leaked or disseminated.