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漂流瓶终于彻底拜拜 微信7.0.4新版体验
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借贷宝:停止催收百名裸条女大学生 未满23岁将不得借贷
京东白条多地频现盗刷 消费者遭催收公司“逼债”
借款野蛮催收行为将被规范 真是几家欢喜几家愁
为规范网贷催收 上海互金协会发行业倡议书
腾讯解释为什么微信没有夜间模式 真相你相信吗?
一张发行8年的微信唱片:只收录了4首歌曲


为规范网贷催收 上海互金协会发行业倡议书

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编辑: 1   作者: cnbeta   时间: 2019/06/04 20:00/00  

上海市互联网金融行业协会(下称“上海互金协会”)官方公号发布《网络借贷信息中介机构规范催收倡议书》。倡议书对业者提出了“开展债务催收时,不以诱导或逼迫债务人通过新增借贷或非法途径筹集资金偿还逾期债务”等7条具体要求。

上海互金协会注意到,近期随着“扫黑除恶”专项斗争的持续开展,对暴力催收等违法行为的查处力度进一步加强,各地查处了多起暴力催收案件。为巩固互联网金融风险专项整治成果,防止暴力催收等行为对正常经营开展业务的网贷机构产生影响,上海互金协会对辖区内从业机构做出规范催收的要求。

据记者了解,网贷行业一般会将2个月或3个月(即60天或90天)以上逾期借款进行外包处理,而向协会以及监管方报送“恶意逃废债”的期限是6个月(即180天),后者(即“老赖”)的回款比例会更低。因此,网贷机构会根据不同的逾期期限,给予外包的催收公司不同比例的折扣。

在上海互金协会今日的倡议书中,专门就网贷从业机构的外包催收管理提出细化要求。上海互金协会表示,如机构将债务催收外包的,应建立完善的外包管理制度,审慎选择合作机构开展业务合作,明确划分经济法律责任。提前就催收流程、手段、方式等对委托的第三方机构进行全面调查,将规范市场环境的要求和合规经营、保护消费者权益等理念传导至受托机构;机构应当要求受托催收方承诺不得对借款人另行收费,并依法合规开展催收活动,同时强化针对受托催收方的质检工作。对于受托催收方向借款人另行收费的,或以暴力、胁迫、恐吓、侮辱、诽谤、骚扰等方式开展催收活动的,一经发现,网贷从业机构应立即终止业务合作,并向属地整治部门报告。

同时,上海互金协会还要求网贷从业机构在开展债务催收时,不以诱导或逼迫债务人通过新增借贷或非法途径筹集资金偿还逾期债务。

5月17日,上海互金协会曾官方公号发布《网络借贷信息中介机构合规经营倡议书》。倡议书对业者提出“杜绝‘套路贷’、‘校园贷’、‘现金贷’,坚持合理收费与规范催收”等6点要求。

不独上海,北京市互联网金融行业协会也在5月27日、5月29日,分别就杜绝“套路贷”、“校园贷”以及规范消费借贷市场发声。

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