2023年2月21日

根據最近的研究在金融領域,人們越來越需要財政援助以支持個人麵臨經濟困難,和信貸提供者正在積極努力改善他們的資源和技能,以滿足這一需求。擁有熟練的信用專業人士可以與客戶真誠交流,公開,尊重在信貸行業是至關重要的。因此,信貸團隊應該配備人才,致力於持續發展,以確保他們可以提供高質量的客戶服務。經濟壓力和預測指向一個潛在的金融援助的需求增加,中短期內,所有的信貸提供者必須優先項目,增加了其信貸團隊的能力與客戶進行更有效的溝通。這將不僅提高客戶體驗,也幫助信貸提供者,以滿足業務目標。數據分析表明,區域水平較高的過期的信用卡賬戶之前大流行傾向於更好的應對流感大流行期間實施的支持措施。然而,這些地區也可能在未來更容易受到新的衝擊。因此,信貸提供者需要密切關注這些領域,準備在必要時提供額外的援助和支持。現在購買的出現,後付錢的服務有顯著影響消費者對信用卡的需求。結果,有可能逾期信用可能相應地改變。 Credit providers should closely monitor these trends to ensure they remain up to date with the evolving credit landscape. The Overdue Credit Index Report, which was carried out by experts from the University of Sydney and commissioned by the AICM, analysed levels of overdue credit across a range of financial products in the Australian market using aggregated data on reported account repayment history. General Manager at Equifax, Scott Mason, said: “In turbulent economic times, it’s vitally important that credit managers are equipped with the insights and tools they need to enable greater financial inclusion among people experiencing financial stress. Equifax is proud to have contributed to the Overdue Credit Index, helping provide a clear picture of the market to credit managers and empowering them with the information they need to best serve their customers.” illion CEO, John Banfield, said that many consumers found themselves in a ‘perfect storm’ of rising interest rates and cost of living increases, including higher fuel and energy prices. “We’re delighted to be part of this research which looks closely at overdue credit and how the industry can play an increasingly important and relevant role in helping their customers to meet the financial challenges they are facing”. “During COVID, lenders widely offered deferral and hardship assistance to customers, including halting enforcement activities such as selling assets. However, in recent months, it has been difficult for these lenders to return to pre-COVID collection practices, which is starting to result in higher rates of arrears,” Steve Johnson, Kadre Consulting. Director “Demand for financial counselling reduced by around 30 per cent during COVID due to increased unemployment benefits and forbearance from creditors. Now, levels are returning to pre-COVID in some agencies, but not yet at that level at the National Debt Helpline. We expect things to worsen as the economy struggles with rising interest rates and cost of living pressures,” Fiona Guthrie, Financial Counselling Australia. Chief Executive Officer. This findings of the report will be presented in a Webinar on Wednesday 22 February with all interested invited to attend. Register here A copy of the report is available here Keep up to date with our stories on LinkedIn , Twitter , Facebook and Instagram . What do you think?