With the volume of nonperforming assets continuing to rise across the industry, collecting overdue bank loans has become a crucial part of preventing financial risks and safeguarding assets. Grounded in the practical realities of bank lending, this book sets aside empty theory and focuses on the challenges and pain points of the entire collection process. It brings together frontline experience and compliance requirements to build a systematic, actionable methodology.
The book covers core topics including early identification of overdue loans, customer segmentation and classification, collection techniques for different scenarios (phone calls, visits, letters, and more), applying pressure to defaulting customers, using legal measures, and psychological tactics in communication. Drawing on a wealth of real cases, it breaks down response strategies for different types of delinquency, from temporary cash flow problems and willful nonpayment to absconding and evading debts, while clarifying the boundaries of compliant collections and how to avoid collection-related risks.
Balancing expertise with practical application, this book is suited to bank loan officers, asset recovery personnel, and collection professionals seeking to quickly improve their hands-on skills. It can also serve as internal training material for banks, helping practitioners manage the pace of collections with precision and improve recovery rates. By maximizing the protection of banks' creditor rights within the bounds of the law and compliance, it helps safeguard the security of bank credit assets.
