1, laws and regulations are missing, and there is no standard in the collection industry.
At present, there are no laws and regulations regulating the debt collection industry in China, although there are the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks promulgated by the CBRC and the Guidelines for Outsourcing Risk Management of Banking Financial Institutions.
However, these norms are mainly aimed at banks, banks and other financial institutions to restrict debt collection companies, which obviously cannot directly and effectively restrain the collection behavior of the debt collection industry.
Therefore, there will be many collection companies taking risks, wandering in the marginal areas, playing the "edge ball" of the law, and some even "violently collecting" the law, leading to the unhealthy development of the industry.
2. The public's awareness of the collection company is very low.
Legal collection companies have obtained business licenses from the industrial and commercial registration department, but in society, the general public does not like collection companies. The market positioning and legal status of debt collection companies are very vague. Coupled with the one-sided reports of the news media, many people think that debt collection agencies, like mafia or violent organizations, make many legal and standardized debt collection agencies suffer from social discrimination innocently. In fact, the collection company is mainly a mediator, protecting the interests of creditors on the premise of protecting the rights and interests of debtors, and finally reaching a debt settlement and achieving a win-win situation for all three parties.
3. The competition in the collection industry is unbalanced and the norms are insufficient.
In recent years, the balance of non-performing loans of banks has reached10.5 trillion yuan. Such a huge debt collection space has made the collection industry grow wildly, and the number of staff specializing in debt collection has even reached more than 300,000. In addition, the lack of access standards of debt collection industry, qualification certification of collectors and norms of collection behavior in China makes violent collection frequently seen in newspapers, which will not only cause great psychological pressure on debtors, but also cause serious social problems.
China's collectors have a long way to go and want to develop healthily.
1, legislation
In order to speed up the legislation of debt collection industry in China, it is necessary to guide and promote the healthy competition and orderly development of debt collection industry.
2, the establishment of industry supervision institutions.
In view of the growing development of China's debt collection industry, strengthen industry self-discipline, clearly define the source, scope of use and security of information and data, and prohibit the abuse and disclosure of personal privacy.
3. Strengthen vocational training and improve professional quality.
Establish a scientific and perfect vocational training system for debt collection as soon as possible, systematically develop collection teaching materials, set up qualification examinations and professional certification, improve the professional quality of collection personnel, and improve their professional quality and professionalism.