每日22点至次日早8点不得催收

Core Viewpoint - The China Banking Association has established guidelines for the collection of personal consumer loans to standardize collection practices and promote healthy industry development [1][2]. Group 1: Collection Practices - The guidelines clarify sensitive issues such as collection timing, frequency, and channels for obtaining contact information, setting quantitative standards and specific definitions [1]. - Collection activities are prohibited between 10 PM and 8 AM without the debtor's consent, and attempts to contact the same number should not exceed six times in one day if the call is not answered [1]. Group 2: Prohibited Collection Behaviors - The guidelines outline prohibited collection behaviors, including posting collection notices in public places, charging additional fees under the guise of collection, and using intimidation or illegal methods [1]. - The guidelines establish a management red line for collection practices, emphasizing the prohibition of illegal acquisition of personal information and the use of threats or violence [1]. Group 3: External Collection Agency Management - The guidelines implement a whitelist management system for external collection agencies, requiring member units to publicly disclose the agencies they hire [2]. - Prohibited actions for external collection agencies are clearly defined, with established red lines to ensure compliance [2]. Group 4: Internal Control and Self-Regulation - The guidelines enhance internal control management for collection businesses, aiming to improve internal management capabilities and promote a combination of governance and management [2]. - There is an encouragement for self-collection, technological innovation, and joint efforts to combat illegal debt evasion [2].