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(原标题:新兴职业催收员月入过万)
贷款、刷信用卡如今已成为都市人重要的消费形式。随着越来越多欠贷问题的出现,一个新兴职业——催收员也应运而生。据不完全统计,目前从事第三方催收的法人单位数量已超过2000家。催收员的工作到底是怎样的呢?
丁先生在济南从事催收工作已有2年。“好的时候,一个月能赚到两万块,都是收回来欠款的提成,收入还是很满意的。”他表示催收名单上的客户大部分只是错过了还款时间,很可能一个电话就能将欠款要回来。“现在上门催收的业务极少,主要是一天最多见两三个客户,还容易引发冲突。我同事大部分都是女的,因为对于催收员来说,最重要的就是耐心。”丁先生说,通过网络借贷平台贷款的大部分都是年轻人,数额也不大。“不像电视剧里演的那样,催收员上门会恐吓客户。”
据介绍,很多学生借贷也只是为了购买一台电脑,或者一部手机,欠贷金额也多在三四千元左右,只要告知欠款会对个人信用产生不良影响,甚至影响学业时,大部分都会通过各种方式尽快将贷款还清。
近日国内一些城市拟出台催收规范,包括每天催收电话不得超过3个、催收应在工作时段进行等。随后记者联系了济南一家商业银行催收部门负责人孟先生,他对催收员工作之辛苦深有体会,表示也希望能出台一个规范,“能够在规范催收与打击恶意欠款之间找到平衡点,保护客户的同时,也能保护我们。”而一旦真的遇到“老赖”,催收员的工作就会十分困难,最后只能使用法律手段。
采访中,丁先生表示催收员在普通人心目中就是“蛮横、强势”的形象,但自己其实也是“弱势群体”。丁先生说,催收人员也面临很大的压力,作为电话催收员,除了业绩的压力,还经常会接到很多谩骂和出言不逊的“负能量”。“每个月我们也有任务指标,如果完不成,收入就会大幅缩水,有时候给客户打电话催收,常常也会遭到言语侮辱,但为了能够成功催收,我也都忍了。”
责任编辑:高宗影 CN060
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