中银协发文规范个人消费类贷款催收！严禁散布隐私等不当行为

Core Viewpoint - The China Banking Association has established the "Guidelines for Collection Work of Personal Consumer Loans by Financial Institutions (Trial)" to standardize collection practices for credit cards and personal consumer loans, promoting healthy industry development [1] Group 1: Definition and Scope of Collection Behavior - Collection behavior is defined as actions taken by member units and external collection agencies to urge debtors to fulfill their repayment obligations when they violate credit card agreements or personal loan contracts [2] - Collection methods include phone calls, written notices, field visits, judicial collection, and other collection activities [2] Group 2: Collection Behavior Regulations - The guidelines prohibit collection calls and visits without debtor consent between 10 PM and 8 AM, and limit the number of attempts to contact a debtor to no more than six times per day for the same contact method [2] - Collection personnel must adhere to reasonable and necessary frequency in their communication efforts [2] Group 3: Prohibited Practices - The guidelines explicitly forbid collection personnel from impersonating government or judicial authorities, using illegal means to obtain personal information, and employing intimidation or violence during collection [3] - Misleading statements, false promises, and unauthorized fees for collection are also prohibited, along with any form of harassment or illegal entry into private spaces for collection purposes [3]