（原标题：宣布了！多家银行招收催收人员） 近日，光大银行发布招聘启事，其中有对贷款业务催收人员的招募。据悉，几日前，湖南三湘银行也发 布招聘信息称，面向全国范围内招聘各类人才，其中便包含高级催收人员。 据悉，对比以往催收机构对人员招聘无学历及经验等要求不同，银行招收催收人才对学历及相关经验做 出明确要求。业内认为，此有助于规范催收业务，提升银行贷后管理工作质效。 多家银行招收催收人员 6月5日，光大银行官网发布社会招聘公告显示，本次招聘包含零售与财富管理部客户营运中心—贷款业 务电话催收岗，招聘人数为3人。 从招聘要求来看，应聘者需要具有本科及以上学历，专业不限；在原岗位工作表现良好，近3年考核结 论均为称职（或对等结论）及以上，且至少有一次良好（或对等结论）及以上；同时，还强调应聘人员 要具备抗压性等。 从招聘要求看，"高级催收管理人才"要具有大学本科及以上学历，法律、金融专业背景，有五年及以上 催收管理工作经验等。 "高级电催人才"要具有大学本科及以上学历，金融、法律、财会、经管等相关专业背景者优先；同时， 具备5年以上金融或者信贷行业相关催收工作经验等。 此外，5月29日，微众银行也发布招聘信息显示，拟 ...

为了厘清本次纠纷，记者联系了宁波银行相关负责人。该负责人表示，虽然该投诉人注销了抖音"放心 借"账户，但是其贷款额度的有效期限是截止到2026年8月。"(银行)严格按照客户签署的《征信查询及 提供授权书》，是没有问题的。"该负责人还强调，截至目前，宁波银行未收到客户或平台传输的注销 额度申请，因此在额度有效期间，正常进行"贷后管理"查询。但同时，该负责人也表示，上述流程确实 容易导致客户"误解"。 尽管投诉人不愿"现身说法"，宁波银行也否认银行自身存在违规问题。但这一纠纷还是尖锐地揭示了当 前征信业务中的一些问题——金融机构的系统性风控逻辑与消费者个体感知的业务终止状态之间，存在 着巨大的认知与信息鸿沟。 银行的查询依据，或许是内部尚未及时更新的数据，抑或是与第三方平台之间复杂合作合同中延续的授 权条款；而消费者则认为，账户注销即意味着业务关系与查询授权的彻底终结。消费者与银行的各执一 词，暴露出机构在"合法、正当、必要"查询原则执行上的弹性与模糊性。 那么，商业银行在用户完成账户注销操作后，依旧以"授信额度存在"为由，持续发起征信查询的行为， 究竟是否合理？ 在接受央视网记者采访时，上海金融与发展实验室首席 ...

8月18日，国家金融监督管理总局山西监管局最新行政处罚信息显示，时任华夏银行太原北城支行副行长任承旺，因对原华夏银行股份有限公司太原北城支 行贷后管理不尽职负有责任，被处以7年禁业的严厉处罚。 国家金融监督管理总局河北监管局行政处罚信息公开表（冀金罚决字〔2025〕12号 | 序 | 当事人名称 | 行政处罚决定 | 主要违法违规行 | 行政处罚内 | 作出决定机 | | --- | --- | --- | --- | --- | --- | | 를 | | 书文号 | 为 | 容 | 关 | | 1 | 华夏银行股份 | 冀 金 罚 决 字 | 贷后管理不到 | 罚款 30万 | 河北金融临 | | | 有限公司廊坊 | | 位，贷款资金被 | 元 | | | | 分行 | | 挪用 | | | | 2 | 王爱军(时任 | 〔2025〕 12号 | 对贷后管理不到 位、贷款资金被 | 警告并罚款 | 管局 | | | 华夏银行股份 | | | | | | | 有限公司廊坊 | | | 5万元 | | | | | | 挪用负有责任 | | | | | 分行行长) | | | | | | 序 | 当事人 | ...

Core Viewpoint - The consumer finance industry is experiencing significant growth, but companies are facing increasing pressure regarding post-loan management and asset quality, particularly with rising non-performing loans and regulatory scrutiny [1][2]. Group 1: Industry Challenges - Consumer finance companies are major players in the transfer of non-performing loans, with the transaction scale in Q1 2025 being second only to joint-stock commercial banks [1]. - Multiple consumer finance companies, including Zhaolian, Jiexin, and Ping An, have recently listed non-performing asset transfer projects, often at prices below 10% of their original value [1]. - The industry is under dual pressure from rising non-performing loan rates and the need for improved post-loan management, indicating increased risk [1]. Group 2: Regulatory Environment - Regulatory penalties have highlighted issues in post-loan management, with companies like Ant Consumer Finance and China Post Consumer Finance facing fines for inadequate management practices [2]. - The regulatory environment is tightening, requiring financial institutions to adhere strictly to laws and improve internal management mechanisms to ensure market stability [2]. - Common issues leading to penalties include inadequate outsourced collection management and the misappropriation of consumer loans [2]. Group 3: Consumer Protection and Compliance - There are ongoing issues with improper collection practices, including harassment and impersonation by collection agencies, which harm consumer rights and disrupt market fairness [3]. - New regulations prohibit the use of violent or threatening collection methods and require consumer finance companies to adhere to ethical collection practices [3]. - Companies are encouraged to enhance compliance management and risk governance frameworks, integrating consumer protection metrics into their performance evaluations [4]. Group 4: Recommendations for Improvement - Consumer finance companies should strengthen compliance management and establish a dynamic compliance matrix, ensuring consumer protection metrics are included in key performance indicators [4]. - Companies need to implement strict pre-loan audits and utilize big data to monitor fund flows during the loan period, allowing for timely detection of anomalies [4]. - Collaboration with partners should be improved through data sharing, and measures should be taken against those who misuse loan funds, such as account freezes and early loan recovery [4].

Core Insights - The consumer finance industry is experiencing significant growth, playing a crucial role in driving consumption upgrades and economic growth [1] - However, consumer finance companies are facing severe challenges in post-loan management, highlighted by the transfer of non-performing assets and regulatory penalties [1][2] - The rise in non-performing loans and the pressure of post-loan management indicate increasing risk for consumer finance companies [1] Group 1: Industry Challenges - Consumer finance companies are major players in the non-performing loan transfer market, with the transaction scale in Q1 2025 being second only to joint-stock commercial banks [1] - Multiple consumer finance companies, including Zhaolian, Jiexin, and Ping An, have recently listed non-performing asset transfer projects, with transfer prices generally below 10% of the original value [1] - Regulatory penalties have been issued to companies like Ant Consumer Finance and China Post Consumer Finance for inadequate post-loan management, indicating a common issue in the industry [2] Group 2: Regulatory Environment - The regulatory environment for consumer finance has tightened, with authorities requiring financial institutions to comply with laws and improve internal management mechanisms [2] - Common issues leading to penalties include inadequate outsourced collection management and the misappropriation of consumer loans [2] - The 2024 Consumer Finance Company Management Measures prohibit the use of improper collection methods, emphasizing the need for compliance in post-loan management [3] Group 3: Recommendations for Improvement - Consumer finance companies should enhance compliance management and establish a risk governance framework, integrating consumer protection metrics into their KPI assessment [4] - Companies need to improve their evaluation mechanisms for partner institutions and ensure that consumer complaints are considered in these evaluations [4] - Strict pre-loan audits and real-time monitoring of fund flows using big data are recommended to prevent the misappropriation of loan funds [4]