Summary of collection of non-performing loans

There are both subjective and objective factors in the summary of non-performing loans; Both inside and outside.

The first solution is the risk prevention and control work in the early stage of loan;

The second is post-loan management and collection.

Solution The collection of non-performing loans should follow the principles of seeking truth from facts, objectivity and fairness, comprehensively analyze the various influencing factors of borrowers, and find out the favorable and unfavorable factors for reference only:

First, the active attack method

Proactive attack method refers to the method that the responsible loan officer actively goes deep into the borrower's business premises to understand the situation and collect loans. Loan officers should often go deep into their clients and study practical problems. Classify and queue customer groups. Good, medium and poor? Focusing on the key work in the category, the breakthrough point is found in the working ideas of easy first, difficult later, poor first, big first, short first, long first, and important first. Strengthen confidence, carry out work repeatedly, and issue collection notices and go through relevant legal procedures wherever you go, so as to achieve the purpose of controlling loans, improving quality and recovering non-performing loans.

Second, the emotional investment law

For customers with non-performing loans, don't blame or reprimand, and don't use tough language to intensify contradictions. Prosecute according to law? Threats. First of all, we should listen to each other's difficulties and frustrations with compassion. From the perspective of the borrower, put yourself in the other's shoes, analyze the problem, find the root cause and find the way out. Make your point of view integrate with customers, so as to gain their sympathy, be accepted by the other party, integrate feelings in work communication and establish friendship. On this basis, guide the other party to adapt to their own work concept, that is, to clean up non-performing loans, and explain in detail the adverse effects of non-performing loans on themselves. These influences will destroy integrity and image, narrow the road of friends and make business more and more difficult. If you can repay the loan in time, you can not only show your strength, but also apply for another loan, which is not only to abide by the contract, but also to keep your promise, so your credit will be improved. The improvement of credit is your intangible asset. Through the analysis of favorable and unfavorable factors, we can have sympathy and understanding to achieve the purpose of our work.

Third, participate in accounting law

The working relationship between loan managers and customers should be cooperative, friendly and intimate. We should often go deep into customers, master their business conditions, and help them objectively analyze the problems in business. Find out the main reason of the problem, make the customer accept it gladly, and then participate in the accounting. Through the further study of real accounting accounts, this paper puts forward specific measures to increase revenue and reduce expenditure, improve customers' profitability and reduce their operating costs. And care about the implementation of customer measures, strive to achieve results and promote the recovery of non-performing loans.

Fourth, help debt collection law.

Most customers have the phenomenon that accounts receivable cannot be recovered on time and the amount is getting bigger and bigger. Faced with this reality, credit personnel should accurately grasp the quantity, amount, default time and the basic situation of the other party. In-depth analysis, serious research, sorting and queuing accounts receivable according to the difficulty level, and personally participating in customer cleaning accounts receivable according to the basic idea of "easy first, then difficult". The result of collection should be to return the non-performing loans first, or partially return the loans and partially operate, and then continue to help customers, and don't let go.

V. Proposal method

The position of loan manager is important, and his professional and political quality is higher than that of ordinary people. In the face of non-performing loans, managers can't be practical. They should find the breakthrough point from the outside to the inside, from the superficial to the deep, and help customers make suggestions in a targeted manner. It is necessary to make more moves, support actual combat moves, help customers make up for loopholes and deficiencies in management, correct deviations in market operation, adjust deviations in business direction, find smooth channels for market information, learn more about and introduce some relevant legal knowledge, and skills to prevent being cheated. By making suggestions for customers, we will strive to reverse the difficult situation in customers' operations and recover non-performing loans as soon as possible.

VI. Capital Start-up Methods

It is necessary to conduct in-depth practical investigation and careful analysis of non-performing loans to find out the root of the problem so as to prescribe the right medicine. When it is determined that the borrower has a good character, is willing to endure hardships, and has certain management ability, due to some reasons, such as strong winds, lightning, heavy rain, snow, floods, fires, earthquakes and other natural disasters, the production facilities are damaged, pests and diseases spread rapidly, and serious losses are caused to the aquaculture industry. The above and other unconventional factors have affected the timely repayment of loan principal and interest. In this case, not only can we not urge loans, but we should also immediately adopt the fund start-up method to provide a certain amount of new loan support to severely affected households. Encouraged in spirit and helped in business. Resume production and operation as soon as possible, get out of the predicament and enter the normal operation track. In order to obtain better income, when the time is ripe, we will gradually recover non-performing loans and control the loan scale at an appropriate amount.

Seven, with the help of the relationship method

The spouse, children, relatives and friends of the borrower should be investigated in detail, and influential figures should be selected. Contact, talk and communicate with them, achieve a certain degree of integration, talk about their intentions in a timely manner, let them understand, and then be willing to help. Influential people can talk to the borrower about repayment separately and analyze its advantages and disadvantages to persuade him to repay the loan. They can also discuss the loan problem with the borrower to find the best repayment method.

Eight. Mediation law

In the contradiction between refusing to repay the loan and being prosecuted according to law, we should not rush to adopt the method of prosecuting according to law, but should expand new ideas and find new methods. Village cadres, township government cadres, political and legal cadres and police officers are all factors to be considered. Use these factors as a third party, appear in the middle position, help analyze the pros and cons, narrow the distance between the two sides, resolve conflicts, conduct effective mediation, and let borrowers repay before legal proceedings.

Nine, multi-party participation method

Compare the objective reality of the borrower and study his weak links in depth. If the borrower has a good face, try to hide himself, for fear that the debt will be exposed and the image will be affected. In the case of ineffective work for many times, we should consider mobilizing relatives, friends, classmates, colleagues, village cadres and superior leaders to participate in their work together, each holding its own words, launching an offensive and urging the loan to be returned.

X. group attack method

A loan officer's ability and wisdom are limited, but he should do his duty. In the face of difficulties, we should consider the participation of many loan officers, conduct in-depth research and careful analysis, find a breakthrough, choose the best opportunity, and do it in one go without interruption until we achieve results.

XI。 Personnel exchange method

Always a face, a routine, it is inevitable that the work is slightly ordinary. You and I both know that there are even other mutual adaptation problems that cause individual borrowers to fail to repay the loan principal and interest on time. Affect the quality of loans and increase non-performing loans. If so, it is necessary to consider personnel communication or choose competent personnel to solve or help a problem. Reduce the occupation of non-performing loans and improve the quality of loans.

Twelve, leaders should be in accordance with the law.

It is impossible and incorrect for leaders to do all the specific work. There is a division of labor and different responsibilities. However, in actual work, there are indeed many difficulties in the work. When it is difficult to advance, the leaders will really solve them as soon as they come forward. This has to remind leaders to go deep into reality, go deep into the grassroots and solve practical problems. Develop new working methods from practice and then guide them in practice. The same is true for the collection of non-performing loans.

Thirteen. Organizational intervention method

Some borrowers are not only cadres in party member, but also hold many titles, such as CPPCC members, deputies to the National People's Congress, farmers and entrepreneurs. No matter how many famous people, no matter how to do it, as long as non-performing loans are formed, they must be investigated. Letters should be sent to the borrower's superior organization and various superior departments named after it. Inform the reasons for non-performing loans and repayment requirements, request the organization to intervene, and send personnel to discuss if necessary, so as to solve the problem.

Fourteen, information capture method

Information is an important factor that can not be ignored in all walks of life, and it is also true for borrowers. Especially the borrower's economic information, product sales information, accounts receivable information, asset disposal information, etc. We must attach great importance to this information, pay close attention to it, find favorable factors and take immediate measures. In particular, bank accounts with multiple accounts should be checked, and once funds are found to have entered the accounts, work should be started immediately or the accounts should be frozen according to law. Create necessary conditions for recovering non-performing loans.

Fifteen, the method of combining rigidity with softness

In the face of borrowers with different temperament, we should adopt different methods. Some eat soft and don't eat hard, and some eat hard and don't eat soft, which needs to be explored in practice. Avoid the strong and be weak, and adopt the method of combining rigidity with softness, or soften before rigidity or soften before rigidity. In-depth discussion of emotion, reason and law will enable borrowers to change their ideas and be willing to repay loans first. Then further work will be done.

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