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逾期客户的体验与最初争取客户时提供的体验一样重要。客户逾 期会有很多原因。但人类的共性是——每个人都想要被尊重，希 望能用简单且私人的方式去解决逾期问题，并要对解决过程有控 制力。在要提升回款、保证符合不断变动的监管政策、并降低催 收成本的前提下，金融机构要满足这些客户期望，只要找到能联 系到每一个逾期客户的最有效的渠道。