中国银行业协会发布指引规范催收行为

Core Viewpoint - The China Banking Association has released guidelines to standardize the collection practices for credit card and personal consumption loans, aiming to promote healthy industry development [1][2]. Group 1: Guidelines Overview - The guidelines are based on principles of legality, problem orientation, and practicality, addressing long-standing ambiguous issues in the industry [1]. - Specific quantitative standards and definitions have been established, such as prohibiting collection calls and visits from 10 PM to 8 AM without debtor consent [1]. - The guidelines limit the number of attempts to contact a debtor to no more than six times per day on the same contact method, unless otherwise agreed [1]. Group 2: Prohibited Practices - The guidelines outline prohibited collection practices, including posting collection notices in public places and charging additional fees under the guise of collection [1]. - It is forbidden to induce or coerce debtors into new loans or illegal channels to repay debts, as well as using intimidation, harassment, or violence in collection efforts [1]. Group 3: Management of External Collection Agencies - The guidelines require the establishment of a management mechanism for external collection agencies, clarifying the primary responsibilities of member units in areas such as personnel management and compliance [1]. - The guidelines emphasize the importance of self-regulation by the association, encouraging self-collection, technological innovation, and addressing black and gray market activities [2].