严禁在22点至次日8点催收，消费贷催收工作指引发布

Core Viewpoint - The China Banking Association has established the "Guidelines for the Collection of Personal Consumption Loans" to standardize collection practices and promote healthy industry development, addressing long-standing issues in the sector [1][10]. Group 1: Collection Behavior Specification - The guidelines define collection behaviors and establish clear standards for various collection practices, including collection timing, frequency, and information acquisition [2]. - Collection activities are prohibited from occurring between 10 PM and 8 AM without the debtor's consent, and attempts to contact the same debtor should not exceed six times in one day unless otherwise agreed [2]. - The guidelines emphasize the protection of personal information, mandating compliance with national privacy regulations and prohibiting the use of illegal means to obtain personal data [2]. Group 2: Prohibited Collection Practices - The guidelines outline specific prohibited behaviors for collection agents, including impersonating government or judicial authorities, using intimidation or violence, and making misleading statements [3][4][5][6][7]. - Additional prohibitions include charging extra fees under the guise of collection and contacting debtors through personal devices without consent [5][6]. Group 3: Internal Management Enhancement - The guidelines call for improved internal management capabilities within institutions, advocating for a shift from reactive to proactive management practices [9]. - Emphasis is placed on self-regulation within the industry to promote high-quality development, including the establishment of information sharing on violations and collaborative efforts to combat debt evasion [9]. - Institutions are encouraged to build their own collection teams to reduce reliance on external agencies, thereby enhancing their collection capabilities [9][10].