How to deal with the bad debts of the bank?

1. If the auction collateral with collateral is in arrears, the remaining funds will be returned to the borrower after the auction return;

2. If the borrower dies unexpectedly, it can be returned with the inheritance. If the inheritance is insufficient, it can be returned by the heir. If the heir does not inherit the estate, then the bank can only make up for it with its own profits;

3. Pack bad debts and transfer them to financial asset management companies for collection. The loan handled by the user in the bank must be returned on time, and it is not overdue, because there will be penalty interest after it is overdue. The longer the time, the more penalty interest. And after loans overdue, the bank will collect it. The common collection method is to call the borrower, which will affect the normal life of the individual. In order to avoid overdue repayment after borrowing, users had better measure their repayment ability when handling loans and know what kind of income they will use to pay back. If your personal income is not much, you should handle the loan carefully at this time. After all, overdue loans will be uploaded to the credit information center, resulting in poor personal credit information.

After the personal credit information becomes bad due to overdue, users should return the arrears in time, because the arrears will remain on the credit information for five years after returning, and will automatically disappear after five years. If the arrears are not paid, the overdue records will always be recorded in the credit information and will never disappear. In fact, when the loan can't be repaid on time, you can borrow money from your friends.

Bad debts of banks refer to accounts receivable that banks cannot or are unlikely to recover. The loss caused by bad debts is called bad debt loss.

Due to the great uncertainty of the market economy, the bank's accounts receivable may not be fully recovered in the end, that is, some or all bad debts may occur. The so-called bad debts refer to uncollectible accounts receivable. It is generally believed that if the debtor dies or goes bankrupt, the part that cannot be recovered after compensation with his remaining property and inheritance; Accounts receivable that are overdue for more than three years can be recognized as bad debts. Enterprises have two different accounting methods for possible bad debts: that is, they do not predict possible bad debts at ordinary times, and only directly write off accounts receivable when bad debts actually occur (according to China's current accounting system, this accounting method has been cancelled).