1. Repayment management: In order to ensure customers to repay on time, we can supervise and manage customers' repayment behavior by establishing repayment reminder system and automatic deduction. At the same time, establish a mechanism to deal with overdue repayment and take corresponding collection measures for overdue customers.
2. Risk control: Establish an effective risk assessment and control system to accurately assess the borrower's credit status, income status and repayment ability. In the credit stage, according to the borrower's credit rating, determine a reasonable amount and interest rate to reduce risks and ensure repayment ability.
3. Asset pledge or guarantee: For some customers with high credit risk, you can ask for asset pledge or guarantee to ensure that there are assets available for execution when the customer cannot repay.
4. Data management and analysis: Establish a customer database, conduct effective data management, and monitor and analyze the customer's consumption behavior, repayment situation and other data, so as to gain insight into the customer's credit situation and loan risk and provide a basis for risk assessment and decision-making.
5. Compliance supervision: Comply with relevant laws and regulations and regulations of regulatory agencies, ensure compliance in business operation, protect customers' interests, and prevent risks such as money laundering and fraud.
6. Customer service and communication: establish a good customer service mechanism, provide convenient and fast service channels, keep in touch with customers, solve customers' problems and doubts in time, and enhance customer stickiness and satisfaction. Retail loans refer to loans granted by commercial banks to individuals.