Generally, large banks have some cooperative outsourcing collection companies, whose business scope is entrusted by financial institutions for collection, so it is legal to some extent. These companies have signed collection agreements with banks, and they also have certain task indicators and share ratios.
Bank loans rarely exceed the national statutory loan ceiling, so collection companies will not be subject to any complaints as long as they are legally collected. Of course, some collection companies now use soft violence. If they encounter this situation, they can complain to the China Banking and Insurance Regulatory Commission.
Isn't it obvious that banks don't go to court through normal judicial channels? Although I can't say that banks are kind to people who owe money and don't pay it back, at least they really give opportunities. From the bank's point of view, we don't want too many bad debts, and the risk control will be blamed. If a lawsuit is filed, the court will rule that there is no money and the court will enforce it. When you have money, you will be forced to pay back the money.
If you have no money, you will be thrown into prison. Prison can't solve the problem for banks, but it's still bad debts. In fact, when a bank turns to an outsourcing company to collect debts, it means that the bank entrusts a third-party collection company to help collect debts. This entrustment process is signed by both parties, which is naturally legal and compliant in law. Since it has accepted the entrustment, the outsourcing company's task is to help the bank collect debts.