His bank may follow up one after another.
Actually, in order to prevent the risk of rising non-performing debt, banks have already taken action. Since this year, “derating” or even “card blocking” have frequently occurred, but the effect has not been fully reflected.
According to the operation of the third quarter payment system disclosed by the central bank recently, the total amount of credit card overdue for six months has reached 91.916 billion yuan, accounting for 1.24% of the credit card repayable credit balance, accounting for an increase of 0.08 percentage points compared with the end of the previous quarter.
It is worth noting that compared with the total amount of credit card overdue for half a year in the second quarter of this year, the value of the third-quarter credit card was 8.384 billion yuan. The value in the third quarter actually reached 9.58%, and the value in the second quarter was 5.19%. The total increase is obvious.
“Now the intensity of bank urging may be greater than that of third-party post-loan institutions!” Sun Zeyi said.
The post-loan industry needs urgent legislation and determination of competent authorities
For a long time, China’s financial industry has overly relied on pre-lending and mid-credit risk control. The emphasis on post-lending risk control and collection is far from enough. There is no fixed regulatory department, and the industry has been in the state of Party A and self-regulation. .
As a result, the post-loan industry is susceptible to some of the country ’s anti-crime policies. Even if relevant policies are in place, they rarely start from the benign development of the industry itself, but rather do a “one-size-fits-all” approach to some current adverse events. This will be a devastating blow to the entire post-loan industry, especially companies that focus on outsourcing.
“Doing our work will inevitably lead to relationships with the debtor. The vast majority of the cases entrusted are due to the debtor’s unwillingness to communicate. In the absence of policies to protect the loan staff, they can effectively pressure the debtor. If we continue to follow the current regulatory situation, I believe that most companies will not survive. “Sun Zeyi admitted.
What is urgently needed by post-loan institutions is that specific government agencies can come forward to integrate the industry, govern the previous chaos in the industry, and distinguish the companies of the evil forces from the formal exhibition companies, leaving some room for this industry. Living space. In addition, relevant agencies, such as telecommunications operators, and high-level regulators should also correctly understand civil complaints.
In fact, discussions on legislation and identifying authorities in the post-loan industry have received much attention.
In recent decades, some scholars and practitioners in China have been calling for the introduction of the Personal Bankruptcy Law and the Debt Collection Regulations. The former is considered to be the bottom of debt collection, and the latter is considered to clarify the administrative agency of the debt collection industry and promote the introduction of laws and regulations on the debt collection industry.
According to existing survey data, more than 85% of third-party collection companies believe that the “Personal Bankruptcy Law” is needed, and 86.8% of debtors think that it is necessary to issue the “Debt Collection Regulations”.
(At the request of the interviewee, the above names are pseudonyms)