Which is better between installment and collection in banking positions?

Instalment customer service in bank positions need to call customers and invite them to handle the bank's installment business. Whether they are purchasing daily consumer goods or vehicles, etc., they can pay through installments. The nature of the post of installment customer service is marketing and does not require too many professional skills. Even people who have not graduated from related majors can apply for such positions in banks; collection is to urge customers to repay. Customers who have applied for loans or other installment business with banks do not repay in accordance with regulations when due. For such behavior, the collection department needs to remind and urge customers to repay on time. For some customers who have delayed for a long time, they may even need to call their workplace or family members to indirectly urge them to repay. I can't say which one of these two positions is better, I can only say that they are two positions of different nature.

What are the similarities between installment and debt collection?

Both positions belong to a certain department within the bank. They are both formal full-time jobs. No matter which job you take, you will be guaranteed benefits. Second, both jobs require phone calls. Regardless of the purpose, calling a customer can result in a bad customer attitude and the potential for verbal abuse and other verbal attacks.

What is the difference between the two?

One of the most important differences between installments and collections is that installments provide benefits to customers, while collections require customers to pay back their debts. Inviting customers to open installment business in installments is a convenient and beneficial thing for customers. For customers, if they happen to need this service after receiving a call from customer service, they will be very grateful to the customer service. For customers who repeatedly refuse, the installment customer service does not need to call them again; collection is different. It asks for things from customers and requires them to return the debts they owe. Even if the customer refuses repeatedly, you still need to keep calling until the customer pays off all the outstanding balances.

When carrying out installment work, you need a humble attitude and absolute courtesy, while when carrying out collection work, you may be more confident, but the latter is obviously more difficult, more challenging, and more training. .

What does installment credit mean?

An installment loan means that the loan applied for by the user is repaid in installments. This type of loan has a fixed repayment date and the user needs to pay it on time every month. Repayment. The advantage of an installment loan is that the repayment pressure is spread over each month, but due to the extended repayment period, it is impossible to judge whether the user can insist on repayment. Of course, there are pros and cons to each repayment method. _For example, if the user has a strong repayment ability, he or she can choose to repay the principal and interest in one lump sum, while if the user has an average repayment ability, then installment repayment is more suitable.

Overdue installment payment will have the following consequences: the loan will be collected from the user; overdue records and overdue interest will be generated; overdue records will affect personal credit; overdue status will not allow other credit applications If you don't repay your loan for a long time, relatives and friends may receive collection calls; lending institutions may target you. _Therefore, the impact of overdue payments after installments is relatively large. Users must repay on time on the repayment date to avoid overdue payments. After overdue payments, they must also repay as soon as possible to reduce the negative impact of overdue records.

Instalment loan app

1. Ping An Orange Blossom:

Launched by Ping An Consumer Finance Platform, the loan credit limit is between RMB 1,000 and RMB 200,000. It is enough that the user is between 22-45 years old, has a stable job and source of income, and has a good credit report.

2. Gome Easy Card:

The product of Gome Financial Platform, the loan credit limit is between 1,000-150,000 yuan, and it only takes 5 minutes to review the loan if it is fast. Applicants are required to be between 18-45 years old.

3. Borrowing flowers:

Ctrip Finance’s products have loan credit limits between RMB 5 million and RMB 200,000 and loan terms of 1 to 12 months. Users aged 22-55 can apply by registering on the platform and filling in the information.

4. An Yihua:

A product of Immediate Consumer Finance, the loan credit limit is between 1,000-200,000, and the loan term is 1-12 months. Applicant users need to be between 18 and 55 years old, complete real-name authentication before applying for Anyihua, have a stable job, and have a good credit report.

5. Cash withdrawal:

Under Zhongyuan Consumer Finance, the loan credit limit is between 10 million and 200,000, and the loan period is 1-12 months. Users need to be between 20 and 50 years old and provide ID card and bank card.

What exactly does a bank do in charge of lending? Is it like selling insurance?

What exactly does a bank do in charge of lending? Is it like selling insurance?

Its task is to obtain corporate deposits, audit and issue corporate loans

Employees in the credit department are generally called loan officers or project managers. Each bank has different names. Responsible for several enterprises (or units), they must be familiar with the operating conditions and financial status of the enterprise, and understand the use of loans by the enterprise

What is the significance of loans to banks? What is the main job of a bank loan officer?

1. Loans are the asset business of commercial banks and are their most important business activities. They are also the economic activities with the largest returns and the largest source of profits.

2. Commercial banks support the production and circulation of various economic sectors in society through loans and promote economic growth.

3. There are different types of loans, such as short-term, medium-term and long-term loans, one-time and installment loans, credit and guaranteed loans, etc.

4. The staff responsible for the loan must check every aspect of the loan, such as the qualification review of the loan applicant, the setting of loan terms, the design of the loan interest rate, the tracking of loan repayment, etc., so as to ensure Loan security benefits.

Can bank staff responsible for loans leave the province?

This is a strange question for you to ask

You may still have some doubts about going abroad

What does it matter if you go abroad?

As long as there are no restrictions on work, it will be no problem

What exactly will a graduate with a master's degree in insurance do?

1. Be a teacher

2 , take the Ph.D. examination

3. Go to the financial system

4. Insurance and securities

5. Go to the enterprise to do data analysis

Excuse me What exactly does a bank risk manager do?

Responsibilities of the General Manager of the Risk Management Department:

1. Formulate and organize the implementation of the annual work plan of the Risk Management Department;

2. Take the lead in formulating internal management of the department systems, business processes and operating rules;

3. Approval of credit business within the delegated authority, and review the review report of the loan review post;

4. Responsible for communicating the risk management of the head office The spirit of conditional files, the implementation of credit policies of the head office in branches;

5. Randomly check and review important business materials for routine risk management;

6. Organize monthly and quarterly credit risk classification Meetings;

7. Organize and arrange post-lending management of credit business;

8. Submit branch asset quality analysis reports to the risk management department of the head office regularly (monthly) or irregularly, Responsible for reporting major risk events of the branch;

9. Collate the branch’s feedback on the head office’s credit policies and systems, formulate relevant improvement suggestions, and report to the risk management department of the head office in a timely manner;

10. Responsible for the daily management and assessment of employees in this department.

What exactly does asset appraisal do in a bank?

In fact, banks have many departments suitable for asset appraisal. Loan management, especially value management, is often considered the most suitable; secondly, you can engage in bank investment. work, such as bond trading; there is also the investment banking department of the bank. Although this bank is the upstream of the industry chain where the evaluation is located, it has a certain correlation with the evaluation; in addition, since asset evaluation has a certain financial basis, in fact, the bank’s accounting and finance department can also do the job.

What are the main tasks of insurance company training? What do I usually do?

I am the main trainer rather than the group trainer. I am mainly responsible for the company's performance and attendance statistics, product promotion, and training for new employees. Similar to corporate executives.

What exactly does an electronic engineer do?

Electronic engineers refer to high-level engineering and technical talents engaged in research, teaching, product design, technology development, production and management of various electronic devices and information systems. Generally divided into hardware engineers and software engineers.

Hardware engineers are mainly responsible for circuit analysis and design; and use computer software as a tool to design PCBs. After the factory PCB is produced and the electronic components are welded, testing and debugging are carried out. Software engineers are mainly responsible for writing and debugging embedded programs such as microcontrollers, DSPs, ARMs, and FPGAs. FPGA programming is sometimes the job scope of hardware engineers.

Job content:

1. Research, development, design and production of integrated circuits, semiconductor discrete devices, electric vacuum devices and special devices;

2. Research, develop, design and produce resistive and capacitive components, sensitive components, magnetic devices, quartz crystals and devices, electronic ceramics and piezoelectric, ferroelectric crystal devices, electromechanical components, electronic cables, optical fiber cables, chemical and physical power supplies and laser, infrared Application of technology, etc.;

3. Research and develop electronic component packaging technology and its application;

4. Research and develop electronic component testing and detection technology and its application.

5. Scientific and technological research.

What exactly does the account manager of Minsheng Bank do?

I am the account manager of Minsheng Bank

Your question is very simple and can be answered in three words: attracting deposits

Basically, it is to use various means to attract deposits through various channels, whether it is financial management, funds, or corporate, in the final analysis, there are two words: deposits,

Maintaining a good relationship with your customers is just to keep their money in your name for a long time and stably. Why?

Because your deposit is directly linked to your income, most account managers are dispatched employees, which means they are informal employees, so your salary base is much lower than that of regular employees. You can only get money by relying on bonuses, and bonuses are directly based on 0.15% commission. The more deposits you have in your name, the more your salary will be. And if you want to become a regular employee, you must also rely on deposits. Currently, the deposit index score is 25 million. I became a regular employee, but it was mainly because it was difficult to make deposits. Each branch will also give you tasks, that is, you must introduce at least how many deposits in a certain amount of time. Otherwise, even if the tasks are not up to standard, your performance will be deducted. If this happens for a long time, you will be warned to quit. Several of my colleagues have been fired

So I advise you not to be an account manager if you don’t have a very solid relationship that can get you a stable deposit of at least several million, as it will bring you a lot of trouble. A lot of pain, no security.

This is my personal experience. Of course, it may vary from place to place. It is for your reference only.

What exactly does a producer do on the crew?

Production Production is divided into many departments. Life production is the management staff who manage the life of the crew, everything about logistics, eating, drinking and sleeping; field production is the management staff who manage the discipline of the scene and ensure the smooth creation of the main creative department; production production is the management staff who manage the discipline of the scene and ensure the smooth creation of the main creative department; The film crew is the manager who manages the production, furnishings, etc. of the crew's scenes (in the previous film studio, the production producer was also responsible for the crew's shooting plan, which has been assigned to the overall coordinator); the external producer, as the name suggests, is to contact the crew outside. The management personnel who contact the shooting scene (just like the public relations department of a unit); each production department has a production director, and above the production director there is an executive producer (some directly face the producer, and the executive producer Between the production director and the producer), there are a number of drama staff below, which are people who do some specific things. The people in the production department do not intervene in the entire artistic creation of the crew, and are equivalent to the logistics department of a unit.

What is the job of bank installment customer service like? Are you tired?

Nowadays, many college students want to find a more suitable job for themselves after graduation. Everyone thinks that working in a bank is relatively easy, and for many people, working in a bank is very decent. What is the job of bank installment customer service like? Are you tired?

1. Introduction to bank installment customer service work

The editor actually doesn’t know much about this job, but the editor has found relevant information on the Internet. Now the Internet culture It is developing very fast, so many people will choose to get installment loans when they are tight on money. This kind of business work has appeared in the corresponding departments of banks. In fact, the main content of this job is to handle some installment or installment repayment business. Generally speaking, only customer service will encounter this situation.

2. The salary is good

However, the editor thinks that this job should be considered very good. Usually we do not need to communicate with customers face-to-face, but only need to communicate on the phone. We went up to conduct some consultations on customers’ business transfers, but for employees, work must have a good level of tolerance, because some customers are quite unreasonable, so everyone must be more relaxed. If there are some people who often get angry easily because of trivial things, then the editor recommends that you don’t do this job, because many customer service staff may be insulted or looked down upon by others during the phone call. The editor thinks that girls are more suitable for this job, and the editor also learned that the salary of this job is quite good.

3. The work is tiring

Everyone who has done customer service work knows that working as a customer service is actually very tiring. Everyone comes to work according to a fixed time, and then goes to work. During this period of time, you also need to constantly make phone calls, get in touch with customers, and then inquire about relevant business progress. During this process, many people will choose to hang up the phone directly, so the work pressure is very high.

What does an installment loan mean?

Question 1: What does an installment loan mean for college students? It is an installment loan, lending you a lump sum of money at one time, and then you pay back a little every month. Generally It needs to be repaid in about 12 months. For example, the zero-zero installment can be divided into 3 to 12 installments, which is quite convenient.

Question 2: What does installment payment mean? Installment payment

Open categories: finance, international trade, personal consumption, new lifestyle

Installment payment (PaybyInstalments) is mostly used in product transactions with long production cycles and high costs. . Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.

A method of payment for purchasing goods and services. The buyer and seller sign a contract when the transaction is concluded, and the buyer pays the seller in installments for the purchased goods and services within a certain period of time. The date and amount of each delivery of goods are stated in the contract in advance.

The installment payment method was developed after World War II. At the beginning, it was limited to the purchase of general daily commodities or services. Later, with the rapid development of productivity, the scale of industrial and agricultural production expanded day by day, and the required expenses increased. In addition, with the development of bank credit, the field of installment payment expanded to the purchase of large machinery, equipment and raw materials by enterprises.

Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can obtain the required goods or services after paying only a small part of the payment. However, because future installment payments include interest, the amount paid for the same goods or services by installment payment is higher than that of a one-time payment. The payment for goods is more.

On the one hand, the installment payment method allows sellers to complete promotional activities, and on the other hand, it also provides convenience to buyers.

Installment calculation

In recent years, with the improvement of China's financial services and changes in people's consumption habits, installment consumption, which is popular abroad, has been introduced into the country and has quickly gained popularity among domestic consumers. recognition. Those who consume through installment payments are usually young people who currently have poor payment ability but have consumption needs. The products they consume are usually laptops, mobile phones, digital products, etc.

Installment payment options are usually offered jointly by banks and installment payment providers. Banks provide consumers with personal consumption loans equivalent to the amount of goods purchased. Consumers use the loans to pay suppliers. At the same time, suppliers provide guarantees for consumers and bear joint and several liability for irrevocable debts. Young people who use installment payment methods are often called "installment people".

Question 3: What does installment payment mean? There are many types of installment shopping

1. Banks cooperate with merchants to provide installment products, such as products on bank websites and bill attachments. , the price is higher than the market price, and there is no handling fee.

2. Installment with cooperative merchants, such as Gome Electrical Appliances’ interest-free installment (there are fewer merchants of this kind, because this kind of installment actually means that the merchant will give you the goods but you have to wait until you finish the installment before you can get the full payment for the goods) , get a portion every month), no handling fees, and the goods are the same as the normal purchase price.

3. Single consumption and bill installment, that is, you buy something first and then apply to the bank for one of the fees, or repay the entire monthly bill in installments (it has nothing to do with the merchant), but it can only be used for credit lines. For installments below 50%, for example, if the credit limit is 10,000, you can only have an installment limit of 5,000, and partial installments are not allowed. There is a handling fee.

4. Low handling fee installments from cooperative merchants, such as Dell Online Shopping. The cooperative merchants have an agreement with the bank to charge lower handling fees (compared with single purchase installments and bill installments). You need to explain it to the merchant and provide a credit card. and personal information, the merchant will apply on behalf of you.

Note: All installments can only be made for payments below 50% of the credit limit. The prerequisite is that the credit is good and the card has been used for more than one year (except for the second type, because the merchant bears the risk on its behalf) .

The purpose of installment is to enjoy goods or services in advance when you are not yet able to purchase or are short of money.

Question 4: What does the installment fee in credit card installment mean? Is it included in each installment? The 102.32 yuan is the installment fee, which is paid in one go. There is no handling fee in the second installment. Industrial Bank's 6-instalment payment fee rate is 3.9% (2623.51 When making large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and then allows the cardholder to repay the money to the bank in installments. The bank will deduct the consumption funds in installments from the cardholder's credit card account based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.

Handling fee

In the early days of the credit card installment business, banks often promoted it as "interest-free", and indeed many citizens were "fooled". In fact, interest-free is not free, it’s just called something different.

Credit card installment payment

Generally speaking, the one-year credit card installment payment fee is lower than the annual cash withdrawal interest of 18% and higher than the bank's one-year commercial loan interest of 5.31%. . It is worth mentioning that commercial bank loan interest rates have been reduced several times since last year, but the standards for credit card installment fees and cash withdrawal interest have rarely changed. Although the standards for credit card installment payment fees vary from bank to bank, the calculation method is roughly the same.

Assume that the installment amount is 1,200 yuan, divided into 12 installments, with each installment (monthly) repayment of 100 yuan, the handling fee is 0.6%/month, and the actual monthly deduction is 1001200×0.6%=107.2 yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. However, the cardholder does not always owe the bank 1,200 yuan. In the last month, he actually only owed the bank 100 yuan, but the bank still charged a handling fee of 1,200 yuan. . According to calculations, the true annual interest rate paid by cardholders is approximately 15.48%. According to the correct calculation formula, it should be 12006% (16%)^12/((1b)^12-1)=103.94 yuan, which means an extra 3.2% handling fee per period.

Advantages

The main benefits of credit card installment payment:

Enjoy now, pay later.

No guarantor required and the procedure is simple.

Regular payment, easy payment.

You can choose any monthly repayment amount as you like

More space to choose payment methods.

Question 6: What is the meaning of summary installment? A summary installment means that multiple credit card purchases and purchases made during the payment period of this month can be made into one installment. This business is called summary installment.

Question 7: What does credit card installment payment specifically mean? The principal is paid in one lump sum, the handling fee is paid in the first installment, and the monthly repayment is 440.13 yuan.

Question 8: What does it mean to pay in installments when buying a mobile phone? Lehuahua College Student Installment: A company that focuses on creating rich, convenient and safe small consumer financial services.

The platform's service scope covers many fields closely related to college students, including 3C digital products, education and training, tourism and entertainment, etc., and is committed to providing college students with complete, simple and considerate consumer financial services.

Question 9: What does the monthly payment in online shopping installments mean? The monthly payment mentioned by the poster is the amount that needs to be paid every month.

Question 10: What does installment payment mean? 5,400 points are paid in 6 months, and the handling fee is about 6.5% per installment