Do you take money from the company?

Very profitable. In China, collection has been a business and an industry since ancient times. As long as there are people who owe money and don't pay it back, there is demand in the collection industry. For example, Meng Changjun, one of the Four Childes of the Warring States Period, made a living by lending a lot. What if he doesn't return it? Meng Changjun is not afraid. He keeps 3,000 customers, often helps him collect debts and interest, and usually treats him with good wine and meat. This is the prototype of the collection.

But in recent decades, with the rapid growth of overdue consumer loans in China, the development of collection banks is even more rapid. According to relevant statistics, the balance of loans overdue consumption in China was 468.6 billion yuan in 20 18, which increased to 0.03 trillion yuan in 20 18 and is expected to reach 3.84 trillion yuan in 2022.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.