the first paragraph: if it is overdue for 13 days, it needs to take timely action.
detailed description:
1. Contact the borrower: communicate with the borrower to understand the reasons for overdue and try to solve the problem. You can get in touch with the borrower by telephone, SMS or email.
2. collection measures: according to the laws of China and the internal regulations of banks, some collection measures can be taken, such as issuing overdue notice, telephone collection, door-to-door collection, etc., to urge borrowers to repay.
3. Negotiate repayment plan: negotiate with the borrower to make a reasonable repayment plan, and arrange installment payment or deferred repayment according to the borrower's economic situation and repayment ability.
Summary:
Kunshan Rural Commercial Bank should actively get in touch with the borrower and take corresponding collection measures in case of overdue for 13 days. By negotiating the repayment plan, a mutually acceptable solution can be reached.
Extended information:
Overdue repayment refers to the borrower's failure to fulfill the repayment obligation at the agreed time. Banks will take a series of collection measures to recover overdue funds to protect the rights and interests of banks. According to the laws of China, banks need to collect money according to procedures and ensure that borrowers are required to repay money reasonably and legally. At the same time, the bank will also consider the actual situation of the borrower and negotiate with it to formulate a reasonable repayment plan.
please note: the above information is for reference only, and the overdue situation should be handled according to the regulations of Kunshan Rural Commercial Bank and relevant laws and regulations.