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A debt collection company is a company specially set up to collect debts for some institutions or individuals. Some of these companies often take some drastic measures to demand business. On October 29th, 2065438+0210/KLOC-0, many banks in Nanjing publicly admitted to cooperating with third-party debt collection companies to collect debts from the public, and the management system and personal integrity of banks once again became the focus of social attention.
Banks entrust social debt collection companies to collect debts. On the one hand, they are suspected of leaking personal information and privacy of bank customers. On the other hand, these social debt collection companies often use harassment, intimidation and even violence to seriously infringe on the legitimate rights and interests of the parties.
Banks entrust debt collection companies to collect debts, and they have their own helplessness. If the whole society can form an atmosphere in which everyone stresses honesty and trustworthiness, the number of people in debt will decrease; If the law can strengthen the recovery and punishment of debtors, so that most people dare not pay their debts at will, banks will certainly not give up legal channels to choose debt collection companies at the risk of being questioned or even breaking the law.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through 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.
Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.