What type of overdue debtor is most likely to be sued?
1. Persons with collateral. For example, car loans, housing loans, etc., they have a higher prosecution rate and a relatively short prosecution time. This is because the bank has collateral of equal or greater value in its hands, and once the litigation process is initiated, the bank will basically not lose money.
2. People who have been out of touch for a long time. The bank has not been able to contact the debtor for a long time, and no one has answered the collection text message, and the collection ** has not answered, and they may take the form of litigation to clear the debtor.
3. Repeated reminders and still failure to repay the loan. If the attitude is tough, there is no willingness to repay, or even clearly stated that it will not repay, such debtor banks have no choice but to sue.
Fourth, the amount involved is relatively large. The amount is large, the bank's internal control is stricter, and some banks have clear regulations that the amount exceeding the amount must be liquidated by litigation for how many days it is overdue.
5. Have a stable job. If you work in a large enterprise or public institution, this will prove that the debtor has a certain ability to repay. In this case, the bank is expected to obtain a higher recovery rate by suing the debtor.
At the same time, for local banks, such as Bank of Shanghai, Bank of Jiangsu, and local rural commercial banks, due to their small number of customers and relatively small business volume, they are more likely to recover from debtors through litigation.