This article comes from WeChat public account: a financial (ID: yibencaijing) , author: Euler
As a labor-intensive industry, it is much more difficult for the collection industry to resume work than other financial industries.
They are facing multiple layers of resumption of work, and they must also prepare a sufficient number of masks.
Industry estimates, At present, only half of the collection companies have resumed work. After resumption, the efficiency has decreased by about 30%.
Therefore, the entire industry may only retain more than 30% of its collection capacity.
Affected by the epidemic, the overdue rate is rising, and because of insufficient collection capacity, “overdue may rise.”
“If this situation lasts for three months, 90% of the collection companies may be eliminated.” Many insiders are not optimistic about this.
There is also vitality in times of crisis.
Recently, the business volume of smart collection robots has begun to rise, and they have also gained prime time to accumulate data.
The collection industry is in crisis, reshape it …
I. Difficult to start
On February 10, the collection industry began to resume work.
“There are less than half of the collection companies that start construction now, and the number of people returning to work is only about 30%.” Feng Xiuwen, a person in charge of a collection company in Beijing, could only postpone the start of construction.
Applying for resumption of work is a cumbersome process.
“We repeatedly communicated with the real estate, industry, commerce, health and other departments, and filled in more than a dozen materials before we were allowed to resume work.” said Ding Hua, the founder of a collection agency.
The so-called semi-resumption of work means that only half of the employees are allowed to work.
“There are more than 200 people throughout the company, and the property can only issue 100 passes, the purpose is to reduce the density of employees.” Ding Hua said.
While only half-resumption was allowed, Ding Hua found that only half of the employees who were able to work were actually on the job.
Some employees are trapped in the village and cannot get out; others are afraid of infection and “resign directly.”
During the semi-resumption work, Ding Hua soon encountered the second problem—masks .
On February 11, the National Development and Reform Commission stated that resumption enterprises should distribute protective equipment such as masks for employees.
“If you want to resume work, the neighborhood committee requires us to prepare 500 masks first,” said Wang Yifan, the boss of a collection agency in Sichuan.
But they can’t buy masks at all.
Ding Hua finally found a way to buy masks through many channels, but these masks are sky-high.
“A KN95 mask costs 30 yuan, and our company’s 100 masks cost 3,000 yuan per day.” But in order to resume work, Ding Hua had to purchase 2,000 heavily.
After passing the level, Ding Hua’s company finally resumed work on February 13.
Now, there are only 20 people in a row of 20 seats.
Because of the need to disinfect twice a day, the pungent smell of 84 disinfectantRoad, diffused throughout the office.
Several large windows are kept open to keep air flowing. The temperature was so low that Ding Hua had to get employees to wear more clothes.
All employees wore masks and called. “The speech was unclear, and the breathing was not smooth. Sometimes when I encountered difficult problems, the collection staff took the mask off in a hurry.”
Ding Hua was very anxious, rushed to let them put on a mask, “because the regulatory authorities check from time to time to see how well everyone is protecting.”
There are also collection agencies that choose to have employees work from home.
“Our company originally planned to start work by purchasing a batch of masks, but the company’s park was closed because of the epidemic situation, and we could only return to work online .” said an employee of a collection company in Fujian.
Wang Yifan, who did not eventually buy a mask, had to choose to let employees work from home.
But working online is difficult.
“Party companies don’t agree because the collectors have a strict monitoring system. It is difficult to monitor at home and it is easy to cause problems.” The person in charge of a collection company in Beijing revealed that he lost two bank customers. .
Even if Party A is considerate, working from home is not efficient .
“My child will ask me to play with him, and I can only work while coaxing the baby.” A collection officer revealed that his actual working time is now only half of what he was before.
In order to keep employees from being “late”, Wang Yifan “goes to WeChat almost every day to wake up employees.”
In order to keep employees efficient, he also checks the employees’ call volume every few minutes, and holds a conference call every morning and evening every day, asking employees to report their work progress.
Several bosses of collection companies have revealed that the efficiency of working from home has been reduced by 30% .
“The industry’s resumption rate is only 50%, and the efficiency has been reduced by 30%. In fact, the entire industry has only retained more than 30% of its collection capacity.” Ding Hua said that under the influence of the epidemic, financial overdue was already rising. However, due to insufficient collection capacity, overdue will be further exacerbated.
Second, life is hanging
“Many Party A companies have exceeded double digits for overdue dates and are currently on the rise.” Ding Hua said.
Many users have stated that they have been affected by the epidemic and have no income. They will also send photos of road closures and village closures to the collectors.
Someone even provided a photo of a thermometer indicating that they had a high fever.
“The collectors are unable to verify the authenticity at all, and the collectors have to be gentle when faced with such claims that they are affected by the epidemic.” Ding Hua said, otherwise he will be “morally condemned” once he is complained.
He believes that many people who claim to be affected by the epidemic are unable to repay their money. “They are all lying, just to hear the tone.”
“If you press hard, the outside world will scold us for being cold-blooded and unsympathetic. At this time, you can only remind me gently.” Wang Yifan said that if the other party’s attitude is bad, they can only hang up and fight again the next day.
Many practitioners believe that the collection industry is now in a “suppressed state”.
Although some people use the epidemic to evade debt, there are still people who have to borrow money to pay back.
Qiao Lixiang, director of staging market operations of Meiya, said that they had a client who had both the beauty salon and dental clinic closed.
But he took out all the money that he and his family had and paid the minimum repayment.