消费贷催收新规发布：禁止晚10点至早8点催收，每天电话不超6次

Core Viewpoint - The article discusses the release of the "Guidelines for the Collection of Personal Consumer Loans" by the China Banking Association, aimed at standardizing collection practices and promoting healthy industry development [1]. Group 1: Collection Behavior Regulations - The guidelines define collection behaviors and establish standards to address long-standing issues in the industry, such as the lack of clear standards and management of external collection agencies [1][4]. - Specific regulations include the prohibition of collection activities during certain hours (from 10 PM to 8 AM) without debtor consent and limiting the number of calls to a debtor to no more than six attempts per day if the call is not answered [5]. Group 2: Prohibited Collection Practices - The guidelines outline eight prohibited collection practices, including the use of intimidation, harassment, and illegal acquisition of personal information, as well as impersonating government or judicial authorities [5]. - Contacting unrelated third parties for debt collection is generally prohibited, with strict conditions under which it may occur, such as when the debtor is unreachable [5]. Group 3: Management of External Collection Agencies - The guidelines introduce a "white list" system for managing external collection agencies, requiring financial institutions to publicly disclose their approved partners and establish standards for their entry and exit [7]. - A comprehensive management system is mandated, focusing on prevention, control, and resolution of collection issues, enhancing governance at the company level [7]. Group 4: Industry Development and Compliance - The release of these guidelines is seen as a significant step towards improving self-regulation and compliance within the industry, contributing to its healthy and standardized development [7].