First, the phenomenon of violent collection of micro-credit loans
The phenomenon of violent collection of small loans is becoming more and more serious, and many borrowers have been subjected to violent collection behaviors such as intimidation, telephone intimidation, SMS intimidation, and home visit intimidation. It is reported that some borrowers were even beaten, threatened to confiscate their property and even threatened to send them to prison.
Second, the reasons for the violent collection of small loans
There are many reasons for violent collection of small loans, among which the main reason is that the collection personnel of small loan companies lack professional knowledge, lack understanding of borrowers and lack of effective collection management system. In addition, the collection staff of microfinance companies also lack moral concepts. They not only don't respect the rights of borrowers, but also use violent means to collect money.
Third, the harm of micro-credit violent collection
The harm of violent collection of small loans is enormous. First of all, it will bring great psychological pressure to borrowers, and even lead to psychological diseases such as depression. Secondly, it will bring huge economic losses to borrowers, because borrowers have to pay high interest and fines. In addition, it will also have a negative impact on microfinance companies, because violent collection will make consumers feel disgusted with microfinance companies, thus affecting the company's reputation.
Fourthly, the solution of violent collection of micro-credit loans.
To solve the problem of violent collection of small loans, first of all, small loan companies should strengthen the training of collection personnel, let them master professional knowledge, improve their understanding of borrowers and establish an effective collection management system. Secondly, small loan companies should strengthen the management of collection personnel, so that they can abide by moral norms, respect the rights of borrowers, and prohibit the use of violent means to collect money.
The above is the truth behind the violent collection of micro loans. The harm of violent collection of small loans is enormous. Therefore, small loan companies should strengthen the training and management of collection personnel and prohibit the use of violent means to collect money, so as to protect the rights and interests of borrowers and maintain market order.