Proactive attack method refers to the method that the responsible loan officer actively goes deep into the borrower's business premises to understand the situation and collect loans. Loan officers should often go deep into their clients and study practical problems. Classify and queue the customer groups, focus on the work in the category of "good, medium and poor", and find the breakthrough point in the working idea of "easy first, difficult later, poor first, rich first, small first, long first, short first, and general first". Strengthen confidence, carry out work repeatedly, and issue collection notices and go through relevant legal procedures wherever you go, so as to achieve the purpose of controlling loans, improving quality and recovering non-performing loans.

Second, the emotional investment law

For customers with non-performing loans, don't blame or reprimand, don't use tough language, intensify contradictions, and threaten to "sue according to law". First of all, we should listen to each other's difficulties and frustrations with compassion. From the perspective of the borrower, put yourself in the other's shoes, analyze the problem, find the root cause and find the way out. Make your point of view integrate with customers, so as to gain their sympathy, be accepted by the other party, integrate feelings in work communication and establish friendship.

The repayment model is actually for the sake of the broad masses of the people. Imagine if the public security organs, regardless of these loan platforms or lending institutions, used to have many loan platforms, but they engaged in usury business in the name of loans, that is to say, they could give some financial support to some enterprises or people who needed funds, but these people did not repay them in time after receiving the funds, or then some loan companies would go to these people's homes or their company units to collect accounts. Some of them have very bad attitudes, and some will threaten them. In the face of such loan companies, it is the right choice for public security organs to investigate and ban them first.