The bank's strategy is correct. Before you can renew your indonesia phone number list loan, you must have the ability to repay. If this repayment ability is achieved through a bridge loan, there is a great risk. People who end up with a bridge loan or borrowing new money to repay old loans are actually bad from the beginning. Like the picture of the bowl on the shelf, it is broken. As long as you do not interfere with its future consumption process, which is impossible in the end, it is possible in the end, that is, to interfere with its production and operation, but it is very difficult.
. Needless to say, late payment and non-payment are a situation that risk management needs to avoid. Don't try to earn penalty interest from users, but you should know that overdue penalties are very tempting, but it's just a beautiful fantasy. You tell me, they are most profitable after their loan due date. Is it possible for them to earn both interest and penalties? If you said yes, then you can be my reader. . It's okay to extend the period for high-quality users through secondary installments, but many so-called risk managers, in order to post the risk, open this hole for some users which will be very strange.
If users can't repay the payment,You go to them for the second installment. It can obviously reduce the collection rate and extend the user life cycle. But I always wonder whether the additional interest income generated by the loan called one year earlier and called one year later is enough to make up for the decline in its recovery rate. The second installment can be called the difference between interest first and principal later. The biggest feature of interest first and principal later is that the risk of the early stage of vintage is very low, and the risk increases sharply in the later stage.
