1, correct mentality and actively grasp the initiative of collection. It is an indisputable fact that it is difficult to collect personal loans. Because of this, many collectors unconsciously behave as if they are asking others for help when they go to the customer's office to collect money. They are not confident enough, they cringe before the battle, and even speak shyly and vaguely. On the contrary, this state urges customers to delay and refuse repayment, and set repayment obstacles. In order to achieve a good collection effect, we must first put ourselves in a correct position, set up a dominant mentality and take the initiative to attack from the meeting and the first sentence.
2. Understand the customer's action track and seize the opportunity to collect. Try to understand the customer's action rules, traces of comings and goings, work and leisure places, and push the door when you know exactly where they are. We should be good at observing words and feelings, and grasp the timing and duration of speaking. Timely collection often gets twice the result with half the effort.
3. explain the interests. Prepare effective written materials in advance to explain the punishment measures of lending institutions for overdue customers. Ask customers to repay within a certain period of time, otherwise it will bring greater losses.
4. According to the enthusiasm of customers to repay their debts, collection methods are adopted respectively. For customers who usually repay on time, they should contact in time at the repayment time agreed by him. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation.