“討債公司”要合法經(jīng)營(yíng)

A Chinese woman shows credit cards and other bank cards in Qionghai city, South China's Hainan province, April 14, 2012. The non-performing loans' ratio of China's commercial banks reached 1.67 percent, up 8 basis points quarter-on-quarter by the fourth quarter of last year.[Photo/IC]

請(qǐng)看《中國(guó)日?qǐng)?bào)》的報(bào)道：

That brought about a need to hire specialist debt-collection agencies, particularly in regions where credit expanded and economic growth slowed, said analysts.

分析人士認(rèn)為，這使得雇傭?qū)I(yè)討債公司的需求出現(xiàn)，特別是在信貸擴(kuò)張，經(jīng)濟(jì)增速下降的地區(qū)。

從事這一行業(yè)的則被稱為“職業(yè)討債人”(debt collector)，他們的工作就是向各種欠款者催賬(debt collection)，比如向信用卡欠款人(credit cardholders who defaulted on their repayments)等。

在過去幾年，中國(guó)的銀行、P2P借貸平臺(tái)(peer-to-peer lending platforms)、小額貸款公司(microfinance companies)等機(jī)構(gòu)的不良貸款(non-performing loans or NPL)問題加劇。這也催生了“職業(yè)討債”這一行當(dāng)。

“討債公司”也要合法經(jīng)營(yíng)。如按期不歸還欠款，討債公司會(huì)與律所合作，使用法律途徑，如發(fā)律師函(dispatch lawyer notices)，甚至起訴(file lawsuits)。