: 1. What's the collection?
Collection is a civil act to remedy bad debts of enterprises or personal debts. The parties to the collection are the creditor and the debtor. If the debtor is unable or unwilling to repay the debt, the collector will exert pressure on him through some civil means to urge him to fulfill his debt. What if the bank illegally collects money? In case of illegal collection by the bank, I shall collect and keep the corresponding evidence materials. If the collection is illegal, I can report it to the public security organ or complain to the People's Bank. Measures for the supervision and administration of credit card business of commercial banks as prescribed by law Article 68 The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.
2. What are the main work contents of bank collection personnel?
The main job is to make phone calls, write letters, make home visits and collect lawsuits for customers who owe money. Collection work is not as comfortable and popular as other positions in the bank (such as loan officers and salesmen). The collection work requires a close-up or even face-to-face game with some old customers, needy customers and lost customers, with the theme of asking for money. The collection personnel should actively complete the specified or promised indicators and provide customers with active, enthusiastic, satisfactory and thoughtful services. If you want to be a senior collector, you must constantly challenge yourself, constantly break through innovation and do it with your heart. When you encounter difficulties, you should adjust your mentality in time, and don't let emotions affect your language and work. As you can imagine, you don't want to be seen, but a few vicious customers also let dogs bite, scratch, cheat, threaten blackmail and other operations, so banks generally buy accident insurance for collectors and equip them with high-definition recorders. In addition, the working hours of this position are not fixed. Because the door-to-door collection should be chosen when customers are at home, they should adapt to the life and work habits of people in different industries, often go out at night, go out early and return late, and it is easy to be identified as social undesirable elements.