该人士认为，随着相关催收工作日趋规范，过往常见的违规现象发生概率会显著降低。目前，银行对合作的委外催收机构会有相关的考核机制，能够起到更好的约束作用。① The Postal Savings Bank Of China, Bank of Communications, and several other Banks have recently continued to announce the list of cooperation with outsourced collection Institutions, which is related to the requirements of regulatory authorities. ② As the related collection work becomes more standardized, the probability of common violations that occurred in the past will significantly decrease. ③ In addition to Bank of Communications and Postal Savings Bank disclosing the list of outsourced collection for Consumer loans, some other Banks have also recently disclosed the list of credit card collection Institutions on their official websites.
On December 11, the Postal Savings Bank Of China stated on its official website that, in order to adapt to the needs of business development, it will disclose the names and contact information of the currently cooperating outsourced collection service Institutions for personal Consumer loans. Reporters from Caixin noticed that this follows the announcement of the cooperation collection list by Bank of Communications in October, indicating that a state-owned big bank is following suit.
An insider from a listed bank told Caixin reporters that the Postal Savings Bank Of China, Bank of Communications, and several other Banks have recently continued to announce the list of cooperation with outsourced collection Institutions, which is related to the requirements of regulatory authorities. It is believed that more Banks will publicly release related information through public channels to better protect the rights of financial Consumers.
This person believes that as the related collection work becomes increasingly standardized, the probability of common violations that occurred in the past will significantly decrease. Currently, Banks have relevant assessment mechanisms for cooperating outsourced collection Institutions, which can play a better restraining role.
Postal Savings Bank Of China: Announces two outsourced collection service Institutions for personal Consumer loans.
Today, the Postal Savings Bank Of China published a notice on its official website regarding the disclosure of information about collection service Institutions.
In the announcement, the Postal Savings Bank Of China stated that to adapt to business development needs and provide customers with better quality service, it will now disclose the names and contact information of the currently cooperating outsourced collection service Institutions for personal Consumer loans (subsequent situations will be subject to the announcements on the official website of the bank). "We will sign relevant legal documents with third parties and require them to comply with laws and regulations and the signed legal documents when handling your personal information, and we will require third parties to take protective measures for your information. We will continue to strive to provide you with more comprehensive and quality services."
Reporters from Caixin found that this time the Postal Savings Bank Of China announced a total of two collection Institutions, which include Guangzhou Huilong Enterprise Management Consulting Co., Ltd. and Shenzhen Wancheng United Investment Co., Ltd.
Previously, China Merchants Bank also announced a list of cooperative Institutions, and recently many Banks have been following up.
Prior to Postal Savings Bank Of China, several state-owned major Banks had already disclosed information about outsourced collection Institutions.
On October 14 this year, China Merchants Bank stated on its official website that if a customer is involved in missed repayments or has other outstanding personal loans (personal Consumer loans), the bank may entrust a third party to remind the individual to repay debts through phone calls, letters, text messages, emails, home visits, or legal channels; it may also inquire about the customer's valid contact information with contacts provided to China Merchants Bank, ask them to contact the customer on behalf of the bank, or provide repayment information to those willing to cover repayments. At the same time, to strictly manage third-party companies and enhance information disclosure, a list of third-party companies entrusted by China Merchants Bank is now being made public.
At that time, China Merchants Bank disclosed a total of 15 third-party companies, distributed across several cities in China, including Peking, Hefei, Shenzhen, and Nam Cheong. In comparison, the Institutions announced by Postal Savings Bank Of China this time are only located within Guangdong Province.
Additionally, a reporter from CaiLianShe found that recently some Banks have also disclosed lists of credit card collection Institutions on their official websites. For instance, on October 25, Bank Of Nanjing issued an announcement regarding entrusted collection Institutions for credit cards, revealing a list of 6 collection Institutions.
On November 7, Shanghai Pudong Development Bank's credit card center issued an announcement about overdue debt collection and legal service Institutions, disclosing a list of 47 outsourced collection Institutions for overdue debts of the credit card center, including CBC (Peking) Credit Management Co., Ltd. On December 10, China Everbright Bank's credit card center released an announcement of the 'Asset Preservation Service Support List', unveiling the latest list of 65 outsourced collection Institutions for credit cards.