Performance

Counseling

We provide personalized counseling based on a thorough review of each client’s financial and credit status. Through this assessment, individuals are guided to suitable CCRS debt-relief programs and other available financial support, helping them address debt challenges at an early stage.

(Unit: 1,000 people)

Debt Relief Programs

For individuals whose debt burden is significant relative to their income, CCRS supports repayment and financial stabilization through its debt-relief programs, including Individual Workout, Pre-Workout and Before-Overdue Debt Management. These programs may include repayment-schedule adjustment, reduction or waiver of interest and late fees, and consolidation of debts owed to multiple financial institutions.

(Unit: 1,000 people)

Micro Credit

To prevent financially vulnerable individuals from turning to high-cost borrowing and to ensure continuity in their repayment efforts, CCRS operates Micro Credit, which provides low-interest loans to cover essential living expenses. Eligible groups include clients steadily repaying debts under CCRS debt-relief programs or those who have recently completed repayment, as well as low-income individuals who face difficulty accessing traditional financial services.

Credit Education

CCRS promotes sound financial habits and stronger credit management through customized credit-education programs offered both online and in person. These programs serve youth, adults, financially vulnerable individuals, and participants in CCRS debt-relief programs. Educational content includes financial planning, responsible spending and borrowing, credit management, fraud prevention, and information on debt-relief and social-welfare programs

(Unit: 1,000 people)