The officer told us, “The boss sent a notice in the group a few days ago, and the quality of overdue management directly determines our life and death. Although we did not explicitly say layoffs, the meaning is similar.”
So the pressure is on the collectors.
On the one hand, the offline collection method is completely unfeasible, and the normal office operations of many P2P platforms have also been greatly challenged. A collector who had just been on a two-day shift was notified by the company that he was on vacation. He still has not been informed of the resumption of work, but he was more worried that the collection business would not be carried out and the company would directly lay off staff.
On the other hand, it is even more critical. The debtor can ask for deferred repayment on the grounds of unemployment, infection, or quarantine, and can rest assured to complain boldly.
As an old collector who has been in the industry for five years, Mr. Jiang has seen many Lai Lai, but this time he has some poor skills. In the past few days, some long overdue customers had planned to pay back years ago, but now almost everyone is holding a 38-degree thermometer to say that they have a fever. Every time he further asks for proof, the other party threatens to complain. In this special period, neither themselves nor the company can afford the risk of “violent collection”.
Recently, he lurked in various loan groups, as well as forums such as Khanom and I Love Card. He saw that there were all kinds of “routines” filled with excuses for not repaying, and even clearly wrote “We are standing Moral high ground. ”
Under the influence of the epidemic, carrying a car loanThere are not a few who are facing mortgage risks and unemployment risks. They can be routine and mixed, and those who have real difficulties are actually affected by these so-called old Lai.
No money and dare not borrow
Indebted individuals’ biggest crisis is unemployment. Among them, the most affected should be migrant workers or some migrant workers. For other industries, as long as they do not support loans, they have stopped losses in a timely manner with the orderly resumption of work. But the worst thing is small, medium and micro enterprises and individual industrial and commercial households.
Take the catering industry, relevant data shows that compared to the Spring Festival in 2019, 78% of catering companies lost more than 100% of their operating income during the epidemic. In just 7 days of the Spring Festival, the retail sales of the catering industry lost about 500 billion yuan. Under this macroeconomic figure, the hard work of tens of thousands of small and medium-sized restaurants and restaurants is flowing. All their inputs before the Spring Festival are put to waste, and some even have to bear debts.
Gu Ming, the owner of a small and medium-sized restaurant company in a county in central Jiangsu, has a large reserve of ingredients for the Spring Festival holiday, and the two stores have an inventory of not less than 1.5 million yuan. These payments are now settled in March, but from the Spring Festival to the end of February, the restaurant has almost no penny.
Feige, the owner of the grilled fish shop, has been in business for more than a year, and his business has been tepid. At the beginning, in order to grab a good place, he and his partner rented the most expensive one in the mall. The store totaled 280 square meters, and the monthly rent plus management fee totaled 80,000 yuan. However, this most expensive ground did not bring him good luck. On the eve of Valentine’s Day, he had just cancelled the contract with the mall, and a 250,000 deposit was deducted as a penalty. In desperation, he announced that “we do not lay off staff and do not cut pay, but we have closed down.”
Lack of money is a survival problem for all SMEs. Gu Ming went to a bank to inquire about a business loan. In addition to some necessary information, the bank also required a guarantee from a local public official. He also said that although there is private lending, we really do not want to take that step.
In fact, what he doesn’t know is that it will be harder to obtain loans in the future for small and medium enterprises and individuals.
One, as of now, the online lending industry still focuses on risk clearing. Based on this background, the number of normal operating platforms in the online lending industry continues to decline significantly. According to the statistics of the Internet Loan House, the cumulative number of platforms in the online loan industry is 6612. As of the end of December 2019, the number of normal operating platforms has dropped to 343, and the cumulative number of closed and problematic platforms has reached 6,269.
Second, despite the impact of the epidemic and the strong demand for credit, the repayment willingness and ability to repay are declining, and there are no financial institutions