Measures and suggestions for clearing up non-performing loans

Measures and suggestions are as follows:

(a) the implementation of responsibility collection.

Strict implementation of the loan accountability system, in accordance with the "new division, the implementation of responsibility. Adopting the management principle of "locking the base and dynamically monitoring", the five-level classified non-performing loans will be managed by new and old sections, and the formed non-performing loans will be actively collected and disposed to ensure the absolute amount will decrease; For those who have fulfilled their responsibilities and resumed within a time limit, they must honor the punishment measures without delay or tolerance. They should stop paying wages, pay compensation to laid-off workers and take legal action.

(two) the implementation of collaborative collection.

Institutions should coordinate with local village committees or residents' associations in a timely manner through financial allocation, subsidies and repayment of village community property debts.

(3) the implementation of the law.

For debtors, enterprises and individuals with no credit who have the ability to repay but refuse to repay, they should sue according to law and collect non-performing loans by legal means.

(4) Start the collection.

It is necessary to explore ways to start the collection, combine the collection of non-performing loans with improving the service level of supporting agriculture, actively help the poor and revitalize the non-performing loans of farmers.

(five) the implementation of disposal and collection.

Under the premise of proper custody, the off-balance-sheet debt-paying assets will be actively disposed of and realized in advance by means of transfer, reorganization and lease.

(VI) In the process of clearing up non-performing loans, cooperatives can take effective measures on their own according to the actual situation, as long as the measures are in compliance with the law and have obvious effects, it will be conducive to mobilizing the enthusiasm of credit marketers.

How to prevent the increase of non-performing loans after the previous collection?

(1) Strengthen the collection of non-performing loans and collect as many non-performing loans as possible.

(2) Intensify the accountability of non-performing loans, so as to ensure that each non-performing loan can be paid off within a time limit.

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

(4) Intensify the collection of five types of concerned loans, and at the same time monitor the normal loans that may form non-performing loans to prevent new non-performing loans.

(5) Strengthen the management of newly issued loans, ensure that the loans are legal and compliant, and resolutely put an end to collecting loans by loans and collecting interest by loans to prevent the increase of non-performing loans.