设置禁止红线，中银协发布指引规范贷款催收→

Core Viewpoint - The China Banking Association has released the "Guidelines for the Collection of Personal Consumer Loans by Financial Institutions (Trial)" to standardize the collection practices of credit cards and personal consumer loans, promoting healthy industry development [1]. Group 1: Definition and Scope - The guidelines consist of seven chapters and fifty-four articles, focusing on self-regulation and business development within the industry [4]. - The guidelines clearly define various collection behaviors within the industry [4]. Group 2: Collection Behavior Standards - The guidelines establish norms for collection practices, addressing public concerns regarding collection timing, frequency, and information acquisition, emphasizing clarity and enforceability while setting prohibitive boundaries [5]. - Prohibited behaviors during the collection process include impersonating government or judicial authorities, using illegal means to obtain personal information, and employing intimidation or threats [6][7]. Group 3: External Collection Agency Management - The guidelines strengthen the governance of external collection agencies, requiring member units to manage these agencies and establish a whitelist system, along with public disclosure of outsourced collection agencies [11]. - Specific prohibitions for external collection agencies include unauthorized contact with debtors and the use of personal devices for collection communications [9][10]. Group 4: Internal Control and Self-Regulation - The guidelines call for enhanced internal management capabilities within institutions to ensure compliance and effective governance [12]. - The China Banking Association will continue to monitor and guide the implementation of these guidelines to ensure adherence and promote industry health [13].