What is the highest non-performing loan rate of rural credit cooperatives in history?

1. What is the highest non-performing loan ratio of rural credit cooperatives in history?

The highest is 10.6. The upper limit of non-performing loan ratio of rural credit cooperatives is 10.6. Rural credit cooperatives have poor capabilities, with non-performing loans of 10.6. Establish a good mechanism to propose solutions.

2. Rural commercial banks’ non-performing loan collection and disposal strategies in 2021?

①Visit the borrower’s address and family members ②Publicize the policy and tell the lender the pros and cons, ③Force the borrower to make deposits in each associated account and realize the effective assets

3. Rural Credit Summary of the difficulties in collecting non-performing loans by rural credit cooperatives

With the development of social economy, it is imperative for rural credit cooperatives to collect past non-performing loans. However, there will be many obstacles in the process. In order to be able to To ensure the smooth progress of collection, based on the current situation of my country's legal system construction, a brief summary of the difficulties in collecting non-performing loans by rural credit cards was made to clarify the ideas. 1. Large total amount of debt collection, small single amount, large number of households, and wide distribution are several major characteristics of farmers' non-performing loans. However, the rural economy is backward and the urban economy is developed. Farmers' dependence on land has been greatly reduced, and migrant workers have , the number of business people is increasing year by year, and many farmers have moved away with their families and their whereabouts are unknown. Rural credit cooperatives have few staff, tight time constraints, and heavy workload. Many credit unions are located in remote mountainous and hilly areas with backward transportation, small deposit and loan scales, low efficiency, few staff, and backward equipment. Coupled with poor communication and lack of information, the collection of non-performing loans for small farmers is heavy and difficult, making collection work difficult. 2. Difficulty in disposing of mortgage assets. Credit unions use capital to offset loans through agreements or people's rulings. After obtaining mortgage assets at a high price, it is not only difficult to realize them, but also costly. Especially if the mortgage assets are real estate, the realization cost is even higher. The credit union handles the mortgage real estate on its own and can save appraisal fees and auction fees. Although appraisal fees and auction fees can be reduced, transaction taxes cannot be avoided and transaction taxes need to be paid twice. The first time is from the debtor to the loan credit union, and the second time is from the loan credit union to the buyer. 3. It is difficult to collect loans legally. When lenders take various measures and still cannot recover the principal and interest of non-performing loans, they have no choice but to take the last resort: according to the law. Due to insufficient social integrity and a poor law enforcement environment, loan collection according to law is characterized by high cost, low efficiency, difficulty in enforcement and difficulty in providing evidence. 1) High cost: From loan collection to execution in accordance with the law, litigation fees, preservation fees, execution fees, appraisal fees, auction fees, etc. need to be paid. 2) Low efficiency: According to the provisions of the Civil Procedure Law, from filing a lawsuit to applying for enforcement, loan collection should go through procedures such as case filing, service, exchange of evidence, court hearing, judgment, appeal, application for enforcement, etc., which can take at least half a year or more. Two or three years, or even worse, nowhere in sight. 3) Difficulty in execution: After the loan collection enters the execution process in accordance with the law, on the one hand, the debtor does everything possible to transfer assets and evade debt; on the other hand, it tries to open up the execution joints and mobilize various relationships to put pressure on the execution personnel. 4) Difficulty in providing evidence: On the one hand, the debtor transfers and conceals assets, and refuses to perform even though he has the ability to do so; on the other hand, the loan credit union cannot collect and provide evidence regarding the debtor's property clues, and the people cannot enforce it. 4. Debtors use various tricks to transfer assets. After obtaining loans through various means, some debtors try their best to transfer assets and avoid debts. Debtors generally transfer property and evade debt in the following ways: 1) Transfer company assets to affiliated companies and individual shareholders through improper transactions and false transactions, causing the company to have operating difficulties and become insolvent, and ultimately achieve evasion through bankruptcy or bankruptcy. The purpose of the debt; 2) By selling off the property at a low price, transferring the assets to other units and individuals who colluded with the debtor; 3) Failure to claim rights in a timely manner for a large number of due claims, causing the debtor's due claims to exceed the statute of limitations; 4) The debtor bribed the staff of the credit union and colluded internally and externally.

4. Non-performing loans of rural credit cooperatives

Cherish your credit record and live a happy life, but it will not be affected unless it is malicious