H Company Collection Department Operation Efficiency Improvement Program

With the expansion of China's financial credit market and the emergence of the “new normal” of macroeconomics,overdue and bad phenomena have gradually increased in recent years,with the credit card's overdue semi-annual outstanding total increase of nearly 10 times in 9 years.How to effectively dispose of non-performing assets is an urgent problem to be studied.Non-performing assets are an inevitable economic phenomenon in the commercial activities of any market economy country.Disposal of bad assets is a counter-cyclical process.Since ancient times,as long as personal or institutional credit has been overdue,there will be corresponding collection and disposal of nonperforming assets.The disposal of non-performing assets is a very old industry.Telephone collection in the traditional personal microfinance market is a relatively economic and efficient means of transportation,and is one of the commonly used means before entering the legal proceedings.The management of Company H uses the relevant theories and methods of process management to assess the current situation of the work,identify existing problems,organize personnel to carry out process management and business seminars,and collect collection data and recovery amount of salesmen for statistical analysis.Regression analysis is used to draw some general rules.At the same time,the business process of the telephone collection is sorted and analyzed,and then the improvement plan is summarized and implemented,and the implementation is supervised.Through research,it is found that in the case of the same time node and a given limited case in this case,the collection rate of a project mainly depends on the following factors: First,the salesman needs to have a higher telephone volume every day,given the condition of case quantity and case attribute,the telephone volume and the amount of payment are almost linearly proportional.However,after the telephone volume has exceeded a certain threshold,the proportion of the increase in the amount of the payment will decrease as the telephone volume increases.Second,the matching degree of the project team,individual and position and the ability of case management;Third,whether the allocation of debtor cases matches the ability of the salesman.The salesperson is classified according to the amount of telephone required to be kept every day for the assigned case,and is classified according to certain standards.For each type of case,a relatively standardized collection action or information repair is performed.The different states in the collection of each case,the individual and the collective as a whole work together in accordance with a certain rhythm,and in the process of advancing,the records of the household registration,age,gender,marital status,occupation,etc.of the debtor are analyzed.In the same group,the case is properly allocated and the role of the salesman is converted to improve the collection rate.At the same time,assist with corresponding incentives to achieve very good overall collection.