With the gradual increase of members of the Internet Finance Association, the overdue rate of many online loan platforms has been disclosed one by one. Some platforms claim zero overdue although it is doubtful, but the collection problem does affect the healthy development of the entire industry. Whether it is commercial banks or online loan platforms, the regulatory authorities are standardizing their collection methods. In the future, green collection will be the mainstream of the industry.
One trillion blue ocean is worth looking forward to
As long as the loan will be overdue, this is a very realistic and unavoidable problem, the key is how to correct collection. In the next 5-10 years, with the development of Internet finance such as online lending, consumer finance and cash lending, the collection market scale is expected to reach 100,000 to 250,000 yuan.
The development of financial markets is accompanied by an important problem, that is, the accumulation of risks. When risks accumulate to a certain extent, it is extremely easy to break out systemic risk. For platforms, this is fatal. How to effectively reduce the delinquency rate, risk control is an important aspect, after the loan collection is another important point.
The transaction volume of the online lending industry alone has reached nearly 6 trillion yuan. With the addition of consumer finance, cash lending and other types, the scale of the Internet finance industry has reached billions of yuan, and this data makes the collection market develop significantly. Moreover, collection in the post-loan market will be specialized and market-oriented in the future. No platform has ever thought of giving up or outsourcing the link of risk control, but everyone finds it difficult to solve the problem of collection in the post-loan market. For the platform, removing this part of business is a matter of weighing advantages and disadvantages and worth discussing.
Green collection is needed by all parties
After the listing of Qudian, the stock price all the way up and down, the most worrying investors, is the legal nature of campus loans. At present, the regulatory authorities have shown their attitude and campus loans are banned.
As for social personnel, it is undesirable not to repay the money, but it is even less feasible to use violence to collect it. Recently, Shenzhen Internet Finance Association previously issued the Code of Conduct for Collection of Shenzhen Online Lending Information Intermediaries (draft)(hereinafter referred to as the Draft). The draft puts forward detailed provisions for the collection problem, which has played an effective role in regulating the violent collection.
Green collection is through standard, infrequent collection way, let borrowers repay as early as possible. In addition to the daily call collection, green collection pay attention to multiple aspects of the impact on consumers, rather than high frequency. At present, many borrowers are born in the 1980s and 1990s, and they have advanced consumption consciousness. It is understandable that they are overdue. At this time, collection personnel are required to achieve the purpose of collection more efficiently according to their personality characteristics and main communication methods.
Cloud money Bag insists and advocates green collection
The platform actually wants green collections. Although the overdue rate of some platforms is not small, most of them are not caused by old age. The platforms still hope to remind borrowers of repayment through green collection, and eventually reduce the overdue rate.
Cloud money bag through strict risk control and do a good job after the loan two aspects adhere to green collection. In fact, green collection also includes risk control, early audit is of great significance for collection. First of all, the same borrower should be strictly prevented from borrowing money on different platforms, which has great risks. Second, it is necessary to grasp the credit status of borrowers in various aspects through cross-verification of big data. If the early gate is strictly guarded, the overdue rate will be reduced accordingly, and the collection will become simple and easy.
Green collection mainly emphasizes reasonableness, legality and efficiency. Improving efficiency and reducing cost is the core of green collection. In response to users' overdue behaviors, Cloud Moneybag adopts different methods mainly through the feedback of the preliminary research data. For example, a borrower who has not been an adult for a long time may pay more attention to how he is perceived on social networks. A business owner cares more about what his partners think of him. As long as we guide in the right way, we can achieve good results.
Green collection does have a promising future, but it requires efforts from all sides. The regulation of the supervision department, the improvement of the social credit system, the education of the borrower, the technical update of the platform, and so on. In short, the steady development of financial markets
