P2P collection routines: gentle women battle, playing more than 100 telephone calls per person per day-P2P, net loans-IT information
Pouring red paint, big and tall black man ... ... Speaking of collections, or DUN, emerged in the ocean most of the brain is such a scene. Recently exposed the "naked" collection, DUN force unable to go to school and college students, and also for collection of relevant companies to let everyone talk about color change.
Private finance company-collection teams really are a bunch of big burly man? Sunglasses groups site?
"You are watching too many movies, right? How can you think so? "Shenzhen a P2P company bosses heard the questions, very surprised," now how do collectors? ”
The owner then described their platform collection team leader Yang Xia (pseudonym), a gentle-looking woman, and according to this, they collection teams for most of the employees are women.
▲P2P
Girls easy to communicate
Yang Xia in the P2P company mainly car loans business. She described their platform of collection processes. She said that as in-house collections team, as long as the project late, as soon as someone involved in the collection, if telephone collection doesn't work, follow-up will be door-to-door collections, if the site collection is not complete, and likely have taken legal proceedings, litigation or outsourcing.
"When I first started, customers may be forgotten, so you need to call to remind customers, allows customers to remember the repayment, many clients may be too busy and forget your repayment time, so such a reminder is necessary. "Yang Xia said.
It is understood that this collection of programs is the way most P2P companies.
Other P2P companies in Guangdong Province also told the business daily reporters, once projects are late they'll communicate with borrowers, you can't communicate, you will notice a letter and the proceedings.
"You can imagine the kind of extreme scenes in here is very rare. "Yang Xia said, though they may come, but mainly taking" peace "negotiations, find people, or don't want to make it too big.
Yang Xia told the business daily reporter described her collection experience: a borrower after expiry of the loan repayments, and a bad attitude, calling did not answer, so they do not match, it was hard to find people. Then borrowers were hard to find, so Yang Xia took home to collections, when borrowers with just friends, she grabbed the borrower more face-saving, a psychological, not revealing their borrowing in the borrower's friends, so she finally succeeded in taking away collateral.
"In fact, our team girls mostly, not only telephone collection, home girl. "Yang Xia said. According to introduce their collections team is very small, has less than 10 people in total, of which 80% are women. Girls are easier to communicate, boys may be impulsive, so easily lead to conflict.
Without calling in the morning
According to Yang Xia introduced, they team of urged received personnel average daily may will playing more than 100 multiple phone for urged received, "is not said has so more of case, also not said playing to a a people, that certainly is no of, but past no urged received success of case may will timing playing about, also has is encountered some phone not received or shut machine of, need repeat call. ”
They collect calls are not normally in the morning, will be only started to play after noon. "A lot of customers will be more meticulous, don't call morning or the morning started. "Yang Xia said," is also a space for someone else. ”
Yang Xia believes that telephone collection will also meet with some bad attitude people, which should still be strong up strong. However, she was not in favour of threatening or sarcastic customer. "Mainly to make clear to customers the program, if the customer does not return the money, may bring them harm. Tell the customer if it is not, we will take legal proceedings against the customer. You give him clear at this time that may affect his credit standing. ”
"Unless the malicious default, will feel the credit doesn't matter, most customers are not willing to go so far. "Yang Xia said it also depends on the early risk management platform, after all the early risk programs completed, selected customers is still very useful.
The P2P platform in Guangdong Province have also said before, collecting just afterwards, the risk of a means, the key is ex ante risk prevention, qualification of the borrower and collateral, if there are duplicate.
According to Yang Xia, introduction, stepped down in accordance with their collection procedures, late 98% can push back, and also a small part of the push back, and may find outsourcing companies, but this number is very small.
Of course, the above list is a relatively small list of P2P platform. Tens of millions of Yuan for a single amount of small loan company, credit manager, told the daily news reporters, they used method was to the mortgage, legal procedures, keep customers, "where customers, you can tell where. ”
P2P讨债套路：温婉女性上阵，每人每天打100多个电话 - P2P,网贷 - IT资讯
泼红油漆、五大三粗的黑衣大汉……说起催收或者催债，大部分人脑海里浮现的是这样的场景。而最近曝出的“裸条”催收，以及大学生被催债逼得无法上学的事情，更是让大家对相关公司的催收谈之色变。
民间金融公司的催收团队是不是真的都是一群人高马大的汉子？戴着墨镜成群上门？
“你是电影看多了吧？怎么会这么想？”深圳地区一家P2P公司的老板听了这个问题，觉得很惊讶，“现在怎么会那样去做催收？”
该老板随即介绍了他们平台催收团队的负责人杨霞（化名），一个看起来比较温婉的女性，而据其介绍，他们催收团队的大部分员工也都是女性。
▲P2P
女孩子比较容易沟通
杨霞所在的P2P公司主要是做车贷业务。她介绍了他们平台的催款流程。她表示，作为公司内部的催收团队，只要项目一有逾期，就马上会有人介入进行催收，如果电话催收没有效果，后续才会上门催收，而如果上门催收也不能完成，然后可能会走法律程序，进行诉讼或者进行外包处理。
“刚开始的时候，客户有可能是忘记了，所以需要打电话提醒客户，让客户记得还款，很多时候客户可能是太忙而忘记了自己的还款时间，所以这样的提醒是很有必要的。”杨霞表示。
据了解，这样的催收程序也是大部分P2P公司采用的方式。
广东地区另外一家P2P公司相关人士也对《每日经济新闻》记者表示，一旦项目有逾期他们就会和借款人沟通，沟通不行的话就会发催告函，以及采用诉讼程序。
“你想象的那种非常极端的场景在我们这里是很少见的。”杨霞表示，虽然他们也会上门，但是主要还是采取“和平”谈判的方式，只要找到人了，一般还是不愿意把事情闹得太大。
杨霞对《每日经济新闻》记者讲述了她的一次催收经历：一个借款人借款到期之后不还款，而且态度很恶劣，打电话也不接，非常不配合，还很难找到人。后来好不容易找到了借款人，于是杨霞带人上门去进行催收，当时借款人刚好和朋友一起，她抓住了借款人比较爱面子的这一心理，没有在借款人的朋友面前暴露其借款行为，于是她最终成功地将抵押物品带走。
“其实我们团队女孩子居多，不只电话催收，上门的也有女孩子。”杨霞表示。根据介绍，他们的催收团队其实很小，总共也就不到10人，其中80%是女性。女孩子比较容易沟通，男孩子性格可能比较容易冲动，所以容易引起冲突。
一般不在上午打电话
据杨霞介绍，他们团队的催收人员平均每天可能会打100多个电话进行催收，“并不是说有那么多的案子，也不是说打给一个人，那肯定是不行的，而是过去没有催收成功的案子可能会定时打一下，还有就是遇到有的电话不接或者关机的，需要重复拨打。”
他们催收电话一般不会在上午打，会在中午以后才开始打。“很多客户还是会比较讲究，不要上午或者早上就开始打电话。”杨霞表示，“还是要给别人留一个空间。”
杨霞认为，电话催收也会遇到一些态度不好的人，该强势的时候还是应该强势起来。不过，她并不赞成恐吓或者讽刺客户。“主要还是要给客户讲清楚我们的程序，如果客户不还钱的话，可能会给他们带来哪些危害。告诉客户如果不还的话，我们就会走法律程序起诉客户。这种时候你给他讲清楚，可能以后会影响他的信用状况。”
“除非恶意赖账的，才会觉得信用无所谓，大部分客户还是不愿意走到这一步。”杨霞表示，这也有赖于平台前期的风控管理，毕竟前期的风控程序走完，挑选的客户还是很有用的。
前述广东地区P2P平台人士也表示，其实催收只是事后、出了风险后的一种手段，关键还是事前的风控防范，看借款人的资质和是否有重复的抵押物。
据杨霞介绍，按照他们的催收程序走下来，98%的逾期都可以催回来，还有小部分实在催不回来的，可能会找外包公司，但是这个数量就已经是非常少的了。
当然，前述P2P平台的单子是比较小的单子。一位单笔金额上千万元的小贷公司信贷经理则告诉《每日经济新闻》记者，他们采用的方法就是要抵押物、走法律程序、跟紧客户，“客户到哪里，你就跟到哪里。”