(1) When private lenders collect debts, they often choose underworld means or rogue means. Named after "violent collection", there are not only aggressive behaviors such as physical contact, but also soft violent behaviors such as threatening images, language and verbal abuse with the help of WeChat. With the increasing difficulty of collection, the violence of collection means will also show an upward trend step by step, which will lead to the continuous expansion of harm.
(2) With the continuous improvement of organization, private lending and debt collection has developed into a semi-underground and underground industry. Large financial institutions will set up professional asset management companies to deal with overdue debts, and some medium-sized financial institutions often dispose of various non-performing assets by outsourcing. Among them, the collection business caused by credit card bad debts is the most typical. In addition, there are also many private lending disputes caused by non-performing assets. There are also differences in the nature of debt disputes caused by private lending. If you don't want high-quality assets, you will often solve them through legal means and formal channels. Instead, you will seek help from a third-party organization, which will be responsible for urging. Recovering this special asset will face high risks and great difficulties, so unconventional means and professional technology are needed. The emergence of many third-party professional organizations may give rise to corresponding industries. Because debt collection companies are not legal in China, most of these professional institutions are under semi-underground conditions.
(3) Gambling faces the highest collection risk, and the probability of being involved in black is the most significant. There are relatively many ways to make money in the field of private finance. Although some individuals who are mainly engaged in private lending are responsible for most of the business, debt collection as post-lending management will face great risks, so they will form business contacts through the establishment of companies and institutions. Compared with the upper limit of private lending interest rate protected by law, its interest rate is obviously high, which is a typical usury. Naturally, faced with a higher default rate, it is necessary to carry out collection activities in a professional way, forming the most typical blackening tendency.
(4) In order to ensure the sustainable development of organizations and seek legitimacy, collection organizations have become increasingly standardized. As a professional collection agency, if it still completes its business by violence, it may take corresponding risks because it violates the legal bottom line, and it is difficult to achieve the goal of sustainable development. Therefore, in order to make the collection behavior more standardized within the scope of law, such institutions have also made many attempts in transformation. Due to the continuous development of information technology, combined with various information means, professional collection agencies can obtain relevant debtor information through legal channels, and the possibility of violent use will be reduced due to strong information investigation capabilities, and the business volume related to violent collection will continue to decline.