With the gradual increase of secured loan customers, the overdue rate also increases. such as

How to control the overdue rate of secured loans has become the focus of work. When secured loans appeared,

After overdue, it is necessary to carefully analyze the reasons for overdue customers and find out whether it is the reason for pre-loan adjustment.

Insufficient investigation, ignoring the potential risks, or because of the customer's repayment cash flow?

Has changed, affecting the repayment ability of the current month; Or the customer's willingness to repay.

Has changed, unwilling to repay, etc.

I. The main reasons for overdue customers are:

1. overdue due to cash flow difficulties arising from normal operations. Including debt

The expenses have not been recovered, and the payment has not been recovered; Checks and drafts are not recorded; Outstanding accounts, etc.

2. Overdue due to cash flow difficulties caused by market changes. include

The decline in the prices of planting and breeding products, the fluctuation in the prices of raw materials and the financial crisis.

Influence, etc.

3. Overdue due to customer's family changes. Including divorce, marriage, children

Financial difficulties caused by schooling and house decoration.

4. A few customers maliciously defraud loans due to abnormal activities or operations.

Including gambling, alcoholism, high-end consumption and so on. ; Other illegal acts prohibited by the state.

Camp.

Second, according to the different overdue situations of customers, formulate targeted collection parties.

Cases, the main collection methods are:

1. After it is overdue, you should immediately go to the customer's business premises to check whether the customer is correct.

Regular operation, and explain to customers, after the overdue credit information system will immediately produce overdue reports.

Sue, damage the reputation of customers, affect future loans, the original normal also.

No interest-free payment. At the same time, understand the reasons of overdue customers and deal with them.

Customer specifies the repayment time.

Call customers every day for the first three days to let them know what will happen after the deadline.

The consequences will be serious.

3. After 4 days overdue, go to the customer's business site to talk with the customer and get to know the customer.

Household operation and fund recovery, strengthen collection; At the same time, with the customer's anti-.

Guarantors are linked together for collection.

4. After 7 days overdue, deliver the secured loan (entrusted loan) to the customer.

Notify overdue collection, increase the pressure, and let customers understand that the longer the overdue time, the greater the responsibility.

The bigger the reservation, the more penalty interest.

5. After serving the Notice of Overdue Collection of Guaranteed Loans (Entrusted Loans),

You still need to call every day to collect money until you repay it.

6. After serving the Notice of Overdue Collection of Guaranteed Loans (Entrusted Loans),

Contact the customer's counter-guarantor for repayment.

7. If you really can't repay, or if it's overdue for a long time, you should hurry.

Occasionally enter the judicial process and take legal measures to solve it.

It should be noted that in the process of dunning, the staff should not only show the strength of dunning,

We should also pay attention to ways and means, so as not to arouse the disgust of normal business customers. And the opposite length.

Overdue customers should show that they will be blacklisted after repayment is completed.

There is no guarantee in the future.

Third, the ideological problems that should be solved in the collection work

1, don't think that a phone call, a letter and a door-to-door visit can hold water.

In order to realize the creditor's rights immediately, a combination of various collection methods must be adopted.

Time and time again, tirelessly claiming rights and interests from the debtor;

2, don't think that every once in a while, sporadic collection behavior will play out.

The unexpected collection effect must focus on time, energy and methods.

Attack the city with great enthusiasm;

Don't think that the debtor will come to fulfill the repayment obligation as promised.

Service, must take the initiative to attack, door-to-door collection;

4, don't think that the debtor to fulfill the repayment obligation once or twice can be high.

Waiting for the smooth realization of the remaining creditor's rights, we must always be vigilant and take timely actions.

Urge the debtor to repay the loan according to the contract.

5. Keep abreast of the debtor's production and operation and capital flow.

Traffic, try to attack quickly when they have money in their hands; Try to understand debt.

The law of action, the traces of coming and going, and the place of work and leisure are all accurately understood.

When it is in that place, it leans up against the door; It is necessary to be good at reading and speaking.

When the debtor is in a happy and peaceful mood, the time and deadline should be urged as soon as possible.

Take it. Timely collection often gets twice the result with half the effort.