in the case of outsourcing collection, it refers to the number of cases outsourced by the bank, and the first hand usually refers to the first outsourcing; Second-hand refers to the second outsourcing (that is, the unpaid accounts or partially collected accounts that have not been recovered after the first outsourcing collection will be outsourced again); The third hand is the third subcontract collection (accounts that have not received or partially received after the second subcontract); Usually, a hand or hand account will be collected and redistributed after three months of collection. The higher the hand, the more difficult it is to collect.

if it is the bank's own collection, it is the length of overdue account, such as one month overdue, two months overdue and three months overdue, which will be marked as: CD1; CD2; CD3 ... or mark: M1; M2; M3 ... The labels of different banks are different, but there is a * * * similarity, that is, the higher the label value, the more difficult it will be to pay back the money.