Measures for collection and disposal of non-performing loans

First, the definition of bad collection

The collection of non-performing loans refers to the net recovery of principal and interest of non-performing loans in monetary funds. The collection management of non-performing loans includes collection, revitalization, preservation and debt repayment with assets. The collection and management of non-performing loans is aimed at non-performing loans with full caliber, with emphasis on dull loans and non-performing loans classified by four levels, doubtful loans and loss loans classified by five levels and their interest receivable on and off the balance sheet. Any suggestions for collection of non-performing loans? What are the measures to collect non-performing loans? Next, Bian Xiao will give you a detailed introduction.

Two. Measures for collection of non-performing loans

1. Responsibility set.

Strict implementation of the loan accountability system, in accordance with the "new division, the implementation of responsibility. Active measures should be taken to collect and deal with it to ensure that the absolute quantity decreases; The responsible person should make full compensation for the non-performing loans, otherwise they will be laid off, stopped and recovered within a time limit to ensure that there will be no non-performing loans formed by human factors. For those who have fulfilled their responsibilities and resumed within a time limit, they should honor the punishment measures and not delay or tolerate them. They should stop paying wages, pay compensation to laid-off workers and take legal action.

2. Implement collaborative collection

For non-performing loans formed over the years, such as financial loans from government agencies, government intervention, collective loans from village communities, loans from enterprises and institutions, all communities should coordinate with local party committees and governments or competent departments in a timely manner, and take financial allocation, government and village community property repayment to coordinate the collection.

3. Collect according to law.

For debtors, non-credit enterprises and individuals who have the ability to repay but refuse to repay, they should protect their rights according to law and use legal means to collect non-performing loans.

4. Implement the collection of special groups.

Strengthen leadership, be highly responsible, and set up a special collection team.

5. Implement pressure collection.

First inside and then outside, both inside and outside, do a good job in front of the door. Flexible by putting pressure on the guarantor, urging to repay the debt in kind or selling effective assets to repay the loan.

6. Implement disposal and collection.

Through the courts, procuratorates and other power departments, non-performing loans are collected by deducting and sealing up according to law.

Third, how to prevent non-performing loans-first pay off and then increase.

1. Strengthen the collection of non-performing loans and collect non-performing loans as much as possible.

2. Intensify the accountability of non-performing loans, so that each non-performing loan can be paid to the people and collected within a time limit.

3. Strengthen the management of internal control system to prevent new non-performing loans.

4. Strengthen the collection of loans in the five-level classification, and monitor the normal loans that may form non-performing loans to prevent new non-performing loans.

5. Newly-issued loans should be managed in a legal and compliant manner. Resolutely put an end to collecting loans by loans and collecting interest by loans to prevent the increase of non-performing loans.

1. Responsibility set.

Strict implementation of the loan accountability system, in accordance with the "new division, the implementation of responsibility. Active measures should be taken to collect and deal with it to ensure that the absolute quantity decreases; The responsible person should make full compensation for the non-performing loans, otherwise they will be laid off, stopped and recovered within a time limit to ensure that there will be no non-performing loans formed by human factors. For those who have fulfilled their responsibilities and resumed within a time limit, they should honor the punishment measures and not delay or tolerate them. They should stop paying wages, pay compensation to laid-off workers and take legal action.

2. Implement collaborative collection

For non-performing loans formed over the years, such as financial loans from government agencies, government intervention, collective loans from village communities, loans from enterprises and institutions, all communities should coordinate with local party committees and governments or competent departments in a timely manner, and take financial allocation, government and village community property repayment to coordinate the collection.

3. Collect according to law.

For debtors, non-credit enterprises and individuals who have the ability to repay but refuse to repay, they should protect their rights according to law and use legal means to collect non-performing loans.

4. Implement the collection of special groups.

Strengthen leadership, be highly responsible, and set up a special collection team.

5. Implement pressure collection.

First inside and then outside, both inside and outside, do a good job in front of the door. Flexible by putting pressure on the guarantor, urging to repay the debt in kind or selling effective assets to repay the loan.

6. Implement disposal and collection, collect non-performing loans through courts, procuratorates and other power departments, and deduct and seal them up according to law.