In fact, Zhongyuan Consumer Finance rarely sues users after they are overdue.
In many cases, it is mainly based on collection. Even if the user is sued, Zhongyuan Consumer Finance will withdraw the lawsuit as long as the negotiation is successful. After all, the purpose of the lawsuit is to make users repay.
Extended data:
Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 20 16. It is a national non-bank financial institution approved by China Banking Regulatory Commission.
Established by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. * * *, in September 2065438+2009, with the approval of Henan Banking Insurance Regulatory Bureau, the company introduced Huaping Investment as a new shareholder member, which brought new opportunities for the company's development.
The company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with a registered capital of 2 billion yuan.
Adhering to the development concept of "compliance first, risk prevention and control, technology-driven", relying on shareholders' strong financial strength, pragmatic management team and rigorous risk control ability.
Zhongyuan Consumer Finance Company digs deep into the sub-sectors closely related to residents' lives, and makes rational use of shareholders and third-party resources around consumption scenarios and key target markets such as food, clothing, housing and transportation.
Committed to providing individual consumers with consumer loans and installment services through technological innovation, channel integration and big data application, building a consumer finance ecosystem, meeting customers' demand for a better quality of life, giving consumers a good consumer experience with brand-new consumer finance scenarios, and practicing "inclusive finance" with practical actions.
Overdue is a Chinese character, pinyin is yúqι, which generally means that the corresponding obligations or responsibilities are not fulfilled beyond the agreed time, such as not repaying within the agreed repayment period, not paying taxes and fees in full before the specified time limit, etc.
Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.
As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant;
Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific;
Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable;
Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability.
The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.