Step 1: Call the customer to remind him. It is necessary to clearly explain the name, amount, date and repayment time of the payment to the customer, ask the customer for details and the expected payment date, and use the telephone dunning skills to complete the customer's dunning work.

Step 2: Send an email to confirm. The official mail explains the payment situation, further clarifies the payment process and amount, indicates the payment deadline, and publicizes the willingness to pay by telephone. General cooperative enterprises will complete the collection after confirmation by telephone or email.

Step 3: the salesman visits at home. For example, after the second step, if the customer fails to pay or has a refusal interface, the salesman needs to come to the door to discuss the payment with the customer face to face. A variety of dunning techniques can be used here.

Step 4: Formal dunning notice. When customers have the ability to pay back the money and refuse to pay it back, building materials enterprises need to issue such a dunning notice, which can keep court evidence just in case. This is also the last effort before going to court.

Step 5: Send a lawyer's letter. After the normal dunning process, the customer has a tough attitude and resolutely does not accept money.

Extended information:

Settlement method:

Settlement, also known as monetary settlement, refers to the monetary receipt and payment behavior caused by economic activities such as commodity trading, labor supply and capital distribution between economic units under the condition of commodity economy. According to the different forms of payment, it can be divided into cash settlement, bill transfer and transfer settlement. Cash settlement is the direct receipt and payment by both parties in cash.

The transfer of bills indicates the relationship between creditor's rights and debts through the payment of bills. Transfer settlement is a monetary receipt and payment behavior that transfers money from the payer's account to the payee's account through a bank or online payment platform.

In social and economic activities such as commodity trading and labor supply, settlement belongs to exchange. It is the unity of two opposing processes: the exchange and delivery of goods and services and the payment of money. Between the normal subjects of freedom and equality, the exchange follows the principle of reciprocity and synchronization. Synchronous exchange is the guarantee of equivalent exchange. In many cases, due to the process of circulation and acceptance of trading objects (such as the transfer of goods and services), the contradiction of unsynchronized and separated commodity flow and capital flow is inevitable. In asynchronous exchange, it is easy for the party who receives the consideration first to violate morality and agreement and destroy the principle of equivalent exchange. Therefore, the party who pays the consideration first will often be bound by others and fall into a passive and weak position and take risks.

Asynchronous exchange must have credit guarantee or legal support to successfully complete the exchange. Therefore, in order to ensure the equivalent exchange, we should follow the principle of synchronous exchange and guard against the risk of asynchronous exchange. This requires the payment currency to adapt to the delivery process and realize synchronous exchange.

According to the principle of synchronous exchange, settlement can be divided into one-step payment and step-by-step payment. For face-to-face spot transactions, one-step payment methods suitable for direct spot transfer, such as cash settlement and bill transfer, are all one-step payment methods. Wire transfer and online direct transfer in transfer settlement are also in one step. Transfer settlement is generally suitable for spot transactions, but there is no credit guarantee or legal support.

One-step payment leads to unsynchronized exchange, which easily leads to the risk of unequal exchange. In reality, the buyer cannot harvest the subject matter on time after paying first, and the seller cannot receive the full price on time after paying first. Economic disputes such as postponement, discount and refusal to pay occur from time to time.

For face-to-face or futures trading, the step-by-step payment method corresponding to the delivery process should be adapted. For example, in international trade, whether it is letter of credit settlement or third-party payment settlement, it is step-by-step payment. In e-commerce, payment has become one of the bottlenecks restricting its development. The seller is unwilling to deliver the goods first, for fear that he will not receive the payment after delivery. Buyers don't want to pay first, for fear that they won't get the goods after payment or the quality of the goods can't be guaranteed.

The result of the game is that both sides are unwilling to take the risk of asynchronous exchange or unequal exchange, and online shopping cannot be carried out. In view of the market demand of contract ladder exchange, third-party payment came into being. In this way, from the start-up money to the ownership and then to the other party's money, it is not completed in one step, but an intermediary custody link is added in the middle. The original direct payment transfer was improved to indirect remittance transfer, and the business was changed from one step to step operation.

So as to form a monitorable process and make conditional payment according to the steps. In this way, goods can take the goods route, and money can take the goods route, echoing each other, so that the capital flow matches the rhythm of the goods flow, achieving the effect of synchronous correspondence, and the payment and settlement method can be more scientific and reasonable to meet the market demand. By 20 10, third-party payment products such as Alipay, Tenpay and Baifubao are mainly oriented to e-commerce. In addition, there are some offline non-e-commerce service products, such as Bao Futong of Shanghai Pudong Development Bank and Bai Yi 'an of China Construction Bank.

Third-party payment will become a common payment and settlement method under the popularization of online and offline. If it is synchronized with step-by-step payment, the payment and settlement system will be more scientific and perfect.