Академический Документы
Профессиональный Документы
Культура Документы
Solución:
Para la administración y recuperación de cartera que perita mejorar la experiencia
del servicio se debe tener en cuenta lo siguiente:
A. Identificar clientes (deudores):
Debemos identificar sus necesidades e inconformidades con el servicio para
tratar de buscar una solución.
B. ATENCION AL MOROSO:
Debemos sentir empatía hacia el cliente moroso, y manejar buenas
relaciones para hacerlo sentir más comprometido.
C. ESCUCHA ACTIVA: tener buena escucha para así poder tener las mejores
respuestas a las objeciones que pueda plantear el cliente.
D. COORDINACION Y NEGOCIACION:
No hablar de altas tasas de morosidad, ni descongelamientos en los
otorgamientos de créditos, si no darle la oportunidad de quedar al día,
negociar con el cliente y darle nuevas oportunidades.
Ejemplo: Un cliente que tiene un crédito con el banco y que tiene mora por más de una año,
al cual se le ha procedido a dialogar con él para llegar a un acuerdo, pero al comunicarse
con él, este manifiesta que quedo sin trabajo y que no ha podido conseguir trabajo y no
tiene con que cubrir la deuda; por lo que se puede llegar a un arreglo amortizándole sus
cuotas a un determinado tiempo y que sean asequibles para que no se vea afectado por su
mora.
A continuación este sería una forma de acordar con el deudor las formas de pago:
Vp 18900236,97
n 168
Cuota E
50.000
tasa 5,600%
$ 161.180,40 $
161.180,40
0,46%
1
18.900.236,9 161.180,40 86.015,10 75.165,30 18.825.071,6
7 7
2
18.825.071,6 161.180,40 85.673,03 75.507,37 18.749.564,3
7 0
3
18.749.564,3 161.180,40 85.329,39 75.851,01 18.673.713,2
0 9
4
18.673.713,2 161.180,40 84.984,19 76.196,21 18.597.517,0
9 8
5
18.597.517,0 161.180,40 84.637,42 76.542,98 18.520.974,1
8 1
6
18.520.974,1 161.180,40 84.289,08 76.891,32 18.444.082,7
1 8
7
18.444.082,7 161.180,40 83.939,14 77.241,26 18.366.841,5
8 3
8
18.366.841,5 161.180,40 83.587,62 77.592,78 18.289.248,7
3 4
9
18.289.248,7 161.180,40 83.234,49 77.945,91 18.211.302,8
4 3
10
18.211.302,8 161.180,40 82.879,76 78.300,64 18.133.002,1
3 9
11
18.133.002,1 161.180,40 82.523,41 78.656,99 18.054.345,2
9 1
12
18.054.345,2 161.180,40 82.165,44 79.014,96 17.975.330,2
1 5
13
17.975.330,2 161.180,40 81.805,85 79.374,55 17.895.955,7
5 0
14
17.895.955,7 161.180,40 81.444,61 79.735,79 17.816.219,9
0 1
15
17.816.219,9 161.180,40 81.081,73 80.098,67 17.736.121,2
1 5
16
17.736.121,2 161.180,40 80.717,21 80.463,19 17.655.658,0
5 5
17
17.655.658,0 161.180,40 80.351,02 80.829,38 17.574.828,6
5 7
18
17.574.828,6 161.180,40 79.983,16 81.197,24 17.493.631,4
7 3
19
17.493.631,4 161.180,40 79.613,63 81.566,77 17.412.064,6
3 6
20
17.412.064,6 161.180,40 79.242,42 81.937,98 17.330.126,6
6 8
21
17.330.126,6 161.180,40 78.869,52 82.310,88 17.247.815,8
8 0
22
17.247.815,8 161.180,40 78.494,92 82.685,48 17.165.130,3
0 3
23
17.165.130,3 161.180,40 78.118,62 83.061,78 17.082.068,5
3 5
24
17.082.068,5 161.180,40 77.740,61 83.439,79 16.998.628,7
5 6
25
16.998.628,7 161.180,40 77.360,87 83.819,53 16.914.809,2
6 3
26
16.914.809,2 161.180,40 76.979,41 84.200,99 16.830.608,2
3 4
27
16.830.608,2 161.180,40 76.596,21 84.584,19 16.746.024,0
4 5
28
16.746.024,0 161.180,40 76.211,27 84.969,13 16.661.054,9
5 1
29
16.661.054,9 161.180,40 75.824,57 85.355,83 16.575.699,0
1 8
30
16.575.699,0 161.180,40 75.436,12 85.744,28 16.489.954,8
8 0
31
16.489.954,8 161.180,40 75.045,89 86.134,51 16.403.820,2
0 9
32
16.403.820,2 161.180,40 74.653,89 86.526,51 16.317.293,7
9 9
33
16.317.293,7 161.180,40 74.260,11 86.920,29 16.230.373,5
9 0
34
16.230.373,5 161.180,40 73.864,54 87.315,86 16.143.057,6
0 4
35
16.143.057,6 161.180,40 73.467,16 87.713,24 16.055.344,4
4 0
36
16.055.344,4 161.180,40 73.067,98 88.112,42 15.967.231,9
0 8
37
15.967.231,9 161.180,40 72.666,98 88.513,42 15.878.718,5
8 6
38
15.878.718,5 161.180,40 72.264,15 88.916,25 15.789.802,3
6 1
39
15.789.802,3 161.180,40 71.859,49 89.320,91 15.700.481,4
1 0
40
15.700.481,4 161.180,40 71.452,99 89.727,41 15.610.754,0
0 0
41
15.610.754,0 161.180,40 71.044,64 90.135,76 15.520.618,2
0 4
42
15.520.618,2 161.180,40 70.634,44 90.545,96 15.430.072,2
4 8
43
15.430.072,2 161.180,40 70.222,36 90.958,04 15.339.114,2
8 4
44
15.339.114,2 161.180,40 69.808,41 91.371,99 15.247.742,2
4 5
45
15.247.742,2 161.180,40 69.392,58 91.787,82 15.155.954,4
5 3
46
15.155.954,4 161.180,40 68.974,85 92.205,55 15.063.748,8
3 8
47
15.063.748,8 161.180,40 68.555,22 92.625,18 14.971.123,7
8 0
48
14.971.123,7 161.180,40 68.133,68 93.046,72 14.878.076,9
0 8
49
14.878.076,9 161.180,40 67.710,23 93.470,17 14.784.606,8
8 1
50
14.784.606,8 161.180,40 67.284,84 93.895,56 14.690.711,2
1 5
51
14.690.711,2 161.180,40 66.857,52 94.322,88 14.596.388,3
5 7
52
14.596.388,3 161.180,40 66.428,26 94.752,14 14.501.636,2
7 3
53
14.501.636,2 161.180,40 65.997,04 95.183,36 14.406.452,8
3 8
54
14.406.452,8 161.180,40 65.563,86 95.616,54 14.310.836,3
8 4
55
14.310.836,3 161.180,40 65.128,71 96.051,69 14.214.784,6
4 5
56
14.214.784,6 161.180,40 64.691,58 96.488,82 14.118.295,8
5 3
57
14.118.295,8 161.180,40 64.252,46 96.927,94 14.021.367,8
3 9
58
14.021.367,8 161.180,40 63.811,34 97.369,06 13.923.998,8
9 2
59
13.923.998,8 161.180,40 63.368,21 97.812,19 13.826.186,6
2 4
60
13.826.186,6 161.180,40 62.923,07 98.257,33 13.727.929,3
4 0
61
13.727.929,3 161.180,40 62.475,90 98.704,50 13.629.224,8
0 0
62
13.629.224,8 161.180,40 62.026,69 99.153,71 13.530.071,0
0 9
63
13.530.071,0 161.180,40 61.575,44 99.604,96 13.430.466,1
9 3
64
13.430.466,1 161.180,40 61.122,14 100.058,26 13.330.407,8
3 8
65
13.330.407,8 161.180,40 60.666,77 100.513,63 13.229.894,2
8 5
66
13.229.894,2 161.180,40 60.209,34 100.971,06 13.128.923,1
5 9
67
13.128.923,1 161.180,40 59.749,82 101.430,58 13.027.492,6
9 0
68
13.027.492,6 161.180,40 59.288,21 101.892,20 12.925.600,4
0 1
69
12.925.600,4 161.180,40 58.824,49 102.355,91 12.823.244,5
1 0
70
12.823.244,5 161.180,40 58.358,67 102.821,73 12.720.422,7
0 7
71
12.720.422,7 161.180,40 57.890,73 103.289,67 12.617.133,1
7 0
72
12.617.133,1 161.180,40 57.420,66 103.759,74 12.513.373,3
0 5
73
12.513.373,3 161.180,40 56.948,45 104.231,96 12.409.141,4
5 0
74
12.409.141,4 161.180,40 56.474,08 104.706,32 12.304.435,0
0 8
75
12.304.435,0 161.180,40 55.997,57 105.182,83 12.199.252,2
8 5
76
12.199.252,2 161.180,40 55.518,88 105.661,52 12.093.590,7
5 3
77
12.093.590,7 161.180,40 55.038,01 106.142,39 11.987.448,3
3 4
78
11.987.448,3 161.180,40 54.554,96 106.625,44 11.880.822,9
4 0
79
11.880.822,9 161.180,40 54.069,70 107.110,70 11.773.712,2
0 0
80
11.773.712,2 161.180,40 53.582,24 107.598,16 11.666.114,0
0 4
81
11.666.114,0 161.180,40 53.092,56 108.087,84 11.558.026,2
4 0
82
11.558.026,2 161.180,40 52.600,65 108.579,75 11.449.446,4
0 6
83
11.449.446,4 161.180,40 52.106,51 109.073,89 11.340.372,5
6 6
84
11.340.372,5 161.180,40 51.610,11 109.570,29 11.230.802,2
6 7
85
11.230.802,2 161.180,40 51.111,46 110.068,94 11.120.733,3
7 3
86
11.120.733,3 161.180,40 50.610,53 110.569,87 11.010.163,4
3 6
87
11.010.163,4 161.180,40 50.107,33 111.073,07 10.899.090,3
6 9
88
10.899.090,3 161.180,40 49.601,83 111.578,57 10.787.511,8
9 2
89
10.787.511,8 161.180,40 49.094,04 112.086,36 10.675.425,4
2 6
90
10.675.425,4 161.180,40 48.583,93 112.596,47 10.562.828,9
6 9
91
10.562.828,9 161.180,40 48.071,50 113.108,90 10.449.720,0
9 9
92
10.449.720,0 161.180,40 47.556,75 113.623,65 10.336.096,4
9 4
93
10.336.096,4 161.180,40 47.039,64 114.140,76 10.221.955,6
4 8
94
10.221.955,6 161.180,40 46.520,19 114.660,21 10.107.295,4
8 7
95
10.107.295,4 161.180,40 45.998,37 115.182,03 9.992.113,44
7
96
9.992.113,44 161.180,40 45.474,17 115.706,23 9.876.407,21
97
9.876.407,21 161.180,40 44.947,59 116.232,81 9.760.174,41
98
9.760.174,41 161.180,40 44.418,62 116.761,78 9.643.412,63
99
9.643.412,63 161.180,40 43.887,23 117.293,17 9.526.119,46
100
9.526.119,46 161.180,40 43.353,43 117.826,97 9.408.292,49
101
9.408.292,49 161.180,40 42.817,20 118.363,20 9.289.929,29
102
9.289.929,29 161.180,40 42.278,53 118.901,87 9.171.027,42
103
9.171.027,42 161.180,40 41.737,41 119.442,99 9.051.584,43
104
9.051.584,43 161.180,40 41.193,82 119.986,58 8.931.597,85
105
8.931.597,85 161.180,40 40.647,76 120.532,64 8.811.065,21
106
8.811.065,21 161.180,40 40.099,22 121.081,18 8.689.984,03
107
8.689.984,03 161.180,40 39.548,17 121.632,23 8.568.351,80
108
8.568.351,80 161.180,40 38.994,63 122.185,77 8.446.166,03
109
8.446.166,03 161.180,40 38.438,56 122.741,84 8.323.424,18
110
8.323.424,18 161.180,40 37.879,96 123.300,44 8.200.123,74
111
8.200.123,74 161.180,40 37.318,82 123.861,58 8.076.262,16
112
8.076.262,16 161.180,40 36.755,12 124.425,28 7.951.836,88
113
7.951.836,88 161.180,40 36.188,86 124.991,54 7.826.845,35
114
7.826.845,35 161.180,40 35.620,03 125.560,38 7.701.284,97
115
7.701.284,97 161.180,40 35.048,60 126.131,80 7.575.153,17
116
7.575.153,17 161.180,40 34.474,57 126.705,83 7.448.447,34
117
7.448.447,34 161.180,40 33.897,93 127.282,47 7.321.164,87
118
7.321.164,87 161.180,40 33.318,67 127.861,73 7.193.303,14
119
7.193.303,14 161.180,40 32.736,77 128.443,63 7.064.859,51
120
7.064.859,51 161.180,40 32.152,22 129.028,18 6.935.831,34
121
6.935.831,34 161.180,40 31.565,01 129.615,39 6.806.215,95
122
6.806.215,95 161.180,40 30.975,13 130.205,27 6.676.010,68
123
6.676.010,68 161.180,40 30.382,57 130.797,83 6.545.212,85
124
6.545.212,85 161.180,40 29.787,31 131.393,09 6.413.819,76
125
6.413.819,76 161.180,40 29.189,34 131.991,06 6.281.828,70
126
6.281.828,70 161.180,40 28.588,64 132.591,76 6.149.236,94
127
6.149.236,94 161.180,40 27.985,22 133.195,18 6.016.041,76
128
6.016.041,76 161.180,40 27.379,05 133.801,35 5.882.240,40
129
5.882.240,40 161.180,40 26.770,12 134.410,29 5.747.830,12
130
5.747.830,12 161.180,40 26.158,41 135.021,99 5.612.808,13
131
5.612.808,13 161.180,40 25.543,93 135.636,47 5.477.171,66
132
5.477.171,66 161.180,40 24.926,64 136.253,76 5.340.917,90
133
5.340.917,90 161.180,40 24.306,55 136.873,85 5.204.044,05
134
5.204.044,05 161.180,40 23.683,64 137.496,76 5.066.547,29
135
5.066.547,29 161.180,40 23.057,89 138.122,51 4.928.424,78
136
4.928.424,78 161.180,40 22.429,29 138.751,11 4.789.673,68
137
4.789.673,68 161.180,40 21.797,84 139.382,56 4.650.291,11
138
4.650.291,11 161.180,40 21.163,51 140.016,89 4.510.274,22
139
4.510.274,22 161.180,40 20.526,29 140.654,11 4.369.620,11
140
4.369.620,11 161.180,40 19.886,17 141.294,23 4.228.325,88
141
4.228.325,88 161.180,40 19.243,14 141.937,26 4.086.388,62
142
4.086.388,62 161.180,40 18.597,18 142.583,22 3.943.805,40
143
3.943.805,40 161.180,40 17.948,28 143.232,12 3.800.573,28
144
3.800.573,28 161.180,40 17.296,43 143.883,97 3.656.689,32
145
3.656.689,32 161.180,40 16.641,62 144.538,78 3.512.150,53
146
3.512.150,53 161.180,40 15.983,82 145.196,58 3.366.953,95
147
3.366.953,95 161.180,40 15.323,03 145.857,37 3.221.096,58
148
3.221.096,58 161.180,40 14.659,23 146.521,17 3.074.575,41
149
3.074.575,41 161.180,40 13.992,41 147.187,99 2.927.387,43
150
2.927.387,43 161.180,40 13.322,56 147.857,84 2.779.529,59
151
2.779.529,59 161.180,40 12.649,66 148.530,74 2.630.998,84
152
2.630.998,84 161.180,40 11.973,69 149.206,71 2.481.792,14
153
2.481.792,14 161.180,40 11.294,65 149.885,75 2.331.906,39
154
2.331.906,39 161.180,40 10.612,52 150.567,88 2.181.338,51
155
2.181.338,51 161.180,40 9.927,29 151.253,11 2.030.085,40
156
2.030.085,40 161.180,40 9.238,93 151.941,47 1.878.143,93
157
1.878.143,93 161.180,40 8.547,45 152.632,95 1.725.510,97
158
1.725.510,97 161.180,40 7.852,81 153.327,59 1.572.183,39
159
1.572.183,39 161.180,40 7.155,02 154.025,38 1.418.158,00
160
1.418.158,00 161.180,40 6.454,05 154.726,35 1.263.431,65
161
1.263.431,65 161.180,40 5.749,89 155.430,51 1.108.001,13
162
1.108.001,13 161.180,40 5.042,52 156.137,88 951.863,26
163
951.863,26 161.180,40 4.331,94 156.848,46 795.014,79
164
795.014,79 161.180,40 3.618,12 157.562,28 637.452,51
165
637.452,51 161.180,40 2.901,05 158.279,35 479.173,16
166
479.173,16 161.180,40 2.180,72 158.999,68 320.173,48
167
320.173,48 161.180,40 1.457,11 159.723,29 160.450,19
168
160.450,19 161.180,40 730,21 160.450,19 0,00