网友苦不堪言：深夜都收到骚扰电话！最新规定来了

Core Viewpoint - The introduction of the "Guidelines for the Collection of Personal Consumer Loans by Financial Institutions (Trial)" aims to standardize the collection practices for credit cards and personal consumer loans, addressing industry concerns and promoting healthy development [1][21]. Group 1: Definition and Regulation of Collection Practices - The guidelines define collection behaviors and establish clear norms for collection practices, including restrictions on contact times and frequencies [12][18]. - Specific prohibitions include contacting debtors during the hours of 10 PM to 8 AM without consent and limiting the number of calls to the same contact to no more than six times per day if the call is not answered [12][21]. Group 2: Prohibited Collection Behaviors - Eight major prohibited behaviors are outlined, including impersonating government agencies, using threats or intimidation, and disclosing personal information [13][19]. - The guidelines also prohibit collecting additional fees under the guise of collection and contacting unrelated third parties without proper justification [14][15][22]. Group 3: Management of External Collection Agencies - Financial institutions are required to strengthen their management of external collection agencies, implementing a whitelist system and publicizing the agencies they work with [18][23]. - The guidelines emphasize the need for comprehensive internal management systems to enhance the capabilities of institutions in handling collection processes [19][23]. Group 4: Encouragement of Self-Regulation and Technological Innovation - The guidelines promote self-regulation within the industry, encouraging institutions to innovate and improve their collection practices while sharing information on violations among external agencies [19][23]. - There is a focus on integrating new technologies, such as artificial intelligence, into collection processes to reduce reliance on external agencies and enhance compliance [23].