非诉催收(下简称催收)是债权人依据法律规定和合同约定通过非诉讼(含仲裁)手段向债务人发出的要求债务人履行的请求,它是一种单方法律行为。为保全银行债权,现各行均设立了专业的催收中心,力图通过非诉这一经济、简便、高效手段对逾期贷款进行催收。催收的基本要件具体有:债权合法、有效;由债权人向债务人主张;应明确表明主张债权的意思;催收通知应送达债务人或其代理人;催收必须以合法的方式作出;催收应在 Non-action collection (hereinafter referred to as collection) is a request from the creditor to the debtor for non-litigation (including arbitration) to require the debtor to perform in accordance with the law and the contract. It is a unilateral legal act. In order to safeguard bank claims, we have set up specialized collection centers in all walks of life to try to collect overdue loans through non-litigation, an economical, simple and efficient means. The basic elements of the collection include the following: legal claims are valid and valid; claims should be made by the creditors to the debtor; the claims should be clearly stated; the collection notice should be served on the debtor or its agent; the collection must be made in a lawful manner;