The business scope of debt collection companies has not been legally recognized. Currently registered "debt collection companies" need to handle subordinated debts in the name of credit reporting companies, which is a legal transfer of creditor's rights and is legal. Generally speaking, they are not called debt collection, but called "commercial account collection". Entrusted by creditors, they solved the debt problem legally and reasonably.
In the field of civil law, freedom cannot be prohibited. Although there is no creditor-debtor relationship between the third party and the debtor, the trustee holds the creditor's power of attorney, which shows that the creditor's debt documents such as "IOUs" held by him have legal sources, and the creditor uses legal means to recover his debts.
China collection has a long way to go.
The healthy development of the collection industry is inseparable from the following three steps:
1, legislation
The legislative experience of America's Fair Debt Collection Law and Japan's Special Disposal Law of Bond Management and Recovery Industry will accelerate the legislation of debt collection industry in China, and it is also the need 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.
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