客户张某长期从事个体运输业,收入颇丰。2002年在某支行办理了3笔个人住房按揭贷款,用于购买3套商品房。2010年初,张某公司经营困难,无力偿还到期的按揭贷款,贷款出现违约逾期。催收人员进行电话催收、信函催收无明显效果,到2010年10月贷款连续违约7期形成不良,贷款出现了潜在风险。我行清收人员上门催收时,张某还款愿意较差,不配合清 Zhang long-term individual customers in the transport industry, quite profitable. In 2002, a branch handled 3 personal housing mortgage loans for the purchase of 3 sets of commercial housing. In early 2010, Zhang company operating difficulties, unable to repay mortgage loans due, loan defaults overdue. Collection of telephone calls by collectors, collection of letters no apparent effect, to October 2010 continuous delinquency of 7 bad form of loans, the loan there is a potential risk. When we collect the money and collect the money, Zhang repayments are willing to be poor and do not cooperate with the clearance