Overdue refers to the failure of the customer to fulfill the repayment agreement within the time agreed with the financial institution, which is one of the important sources of losses for the lending institution. There are many reasons for overdue, mainly in two aspects: poor repayment willingness and insufficient repayment ability . Poor repayment willingness refers to customers with poor credit awareness, taking chances, deliberately defaulting on loans to financial institutions, and the industry has become "old lame" to such customers. In addition, due to legal disputes and other circumstances, customers may also have poor repayment willingness, such as disputed transactions, fraudulent transactions, etc. Insufficient repayment ability means that the customer does not have enough ability to pay the loan, which is the main reason for the customer to be overdue. It can be divided into three situations.
Second, the economic phone number list deterioration leads to insufficient repayment ability , such as poor business operations, unemployment, accidental injury, etc., which cause the customer's income to decline and do not have the ability to repay. The third is that the loan amount exceeds one's own financial capacity , such as malicious overdraft by customers, overestimation of their own repayment ability, etc. In addition, even if the repayment willingness is good and the repayment ability is sufficient, the loan may be overdue due to other external objective factors, such as the customer repaying the wrong bank account, the customer cannot repay in time on business trip or vacation, the customer forgets to repay, the customer does not Realize that you owe money, etc.  The concept of collection Because of the existence of non-performing loans, the collection business of recovering the arrears has arisen. The common concepts in the collection business are as follows: 1. Cases Refers to the loan orders entering the collection stage, and the time point of collection is generally the last repayment date.
2. Aging Refers to the length of overdue time for unsettled cases. In order to facilitate case management, it is usually divided according to the number of overdue days: as bad debts) 3. Division Assign cases to different collectors according to the division rules. 4. Outsourcing As the age of accounts increases, the difficulty of collection of cases gradually increases, and the possibility of cases becoming bad debts also increases. In addition to increasing collection efforts, the loan platform will also entrust high-age cases to professional third parties. The collection company collects the collection, that is, outsourcing. According to whether the case is outsourced, it is divided into internal reminder and external reminder. First , temporary capital turnover difficulties , such as the monthly salary has not been received.