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| Main Authors: | , , , , |
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| Format: | Preprint |
| Published: |
2025
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| Subjects: | |
| Online Access: | https://arxiv.org/abs/2502.18228 |
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| _version_ | 1866916629788491776 |
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| author | Wang, Xiaofeng Zhang, Zhixin Zheng, Jinguang Ai, Yiming Wang, Rui |
| author_facet | Wang, Xiaofeng Zhang, Zhixin Zheng, Jinguang Ai, Yiming Wang, Rui |
| contents | Debt collection negotiations (DCN) are vital for managing non-performing loans (NPLs) and reducing creditor losses. Traditional methods are labor-intensive, while large language models (LLMs) offer promising automation potential. However, prior systems lacked dynamic negotiation and real-time decision-making capabilities. This paper explores LLMs in automating DCN and proposes a novel evaluation framework with 13 metrics across 4 aspects. Our experiments reveal that LLMs tend to over-concede compared to human negotiators. To address this, we propose the Multi-Agent Debt Negotiation (MADeN) framework, incorporating planning and judging modules to improve decision rationality. We also apply post-training techniques, including DPO with rejection sampling, to optimize performance. Our studies provide valuable insights for practitioners and researchers seeking to enhance efficiency and outcomes in this domain. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2502_18228 |
| institution | arXiv |
| publishDate | 2025 |
| record_format | arxiv |
| spellingShingle | Debt Collection Negotiations with Large Language Models: An Evaluation System and Optimizing Decision Making with Multi-Agent Wang, Xiaofeng Zhang, Zhixin Zheng, Jinguang Ai, Yiming Wang, Rui Computation and Language Debt collection negotiations (DCN) are vital for managing non-performing loans (NPLs) and reducing creditor losses. Traditional methods are labor-intensive, while large language models (LLMs) offer promising automation potential. However, prior systems lacked dynamic negotiation and real-time decision-making capabilities. This paper explores LLMs in automating DCN and proposes a novel evaluation framework with 13 metrics across 4 aspects. Our experiments reveal that LLMs tend to over-concede compared to human negotiators. To address this, we propose the Multi-Agent Debt Negotiation (MADeN) framework, incorporating planning and judging modules to improve decision rationality. We also apply post-training techniques, including DPO with rejection sampling, to optimize performance. Our studies provide valuable insights for practitioners and researchers seeking to enhance efficiency and outcomes in this domain. |
| title | Debt Collection Negotiations with Large Language Models: An Evaluation System and Optimizing Decision Making with Multi-Agent |
| topic | Computation and Language |
| url | https://arxiv.org/abs/2502.18228 |