202 1 collection and disposal strategy of non-performing loans in rural commercial banks?

1.202 1 What is the collection and disposal strategy of non-performing loans of rural commercial banks?

① Visit the borrower's address and family members, publicize policies to inform the lender of advantages and disadvantages, and force the borrower to deposit in various related accounts to realize effective assets.

Second, what measures are there to clear up non-performing loans and how to solve them?

Measures for collection of non-performing loans:

The lending institution transfers it to the asset management company, which is responsible for collection. There will be some economic losses in the transfer of creditor's rights, but to some extent, some losses will be recovered and greater losses will be avoided.

Apply for judicial judgment execution. Lending institutions can enforce the assets under the debtor's name by applying. By auctioning the assets under the debtor's name to recover losses, the auctioned assets are generally lower than the market price, which has certain guarantee for the loan principal.

In the way of advance payment across the bridge, the third party or a third-party institution contributes to repay the bank loan, the original loan is settled, and the bank issues a new loan to the prepayment party. The monthly interest of prepayment is about 5%~6% (borne by the lender), and the lender begins a new repayment responsibility.

Lending institutions can also dispose of non-performing loans through asset restructuring, bankruptcy liquidation, asset replacement and debt-to-equity swap.

Three. How to deal with relevant personnel when banks have non-performing loans?

Commercial banks handle non-performing loans in the following ways:

1, transferred to asset management company. Banks transfer non-performing loans to the four major asset management companies. Creditor's rights generally need to be sold at a discount.

2. Judicial execution. Banks can enforce the assets under the debtor's name by applying. For the auction of non-performing loans, the auction price of real estate may be only 50% to 10% of the market price. The total principal and interest face a little price risk.

3. Cross the bridge with funds. The third party contributes to repay the bank loan, the original loan is settled, and the bank issues a new loan. The total monthly interest of prepaid expenses is about 5%~6%. Because investors are more risky, investors may change their minds when they get cold feet.

4. Other disposal methods. Dispose of non-performing loans through asset reorganization, bankruptcy liquidation, asset replacement, debt-to-equity swap, etc.

4. How did Anhui Rural Commercial Bank collect its non-performing loans for more than ten years?

Due to historical reasons, there are many non-performing assets, which directly affects the benefits of credit cooperatives. In order to collect the non-performing loans, revitalize the credit funds and resolve the credit risks, the following non-performing loan collection scheme is proposed: 1. According to the relevant loan management regulations, the collection responsibility system is implemented. Investigate and deal with illegal loans in a timely manner, and take measures such as withholding wages, stopping wages, and paying off debts within a time limit. 2. On the basis of thorough investigation, follow up and supervise the loan issuance and large overdue loans, and the responsible person shall be responsible for cleaning up overdue loans and losses. 3. For those who have caused serious losses of credit assets, use administrative and legal means to assist them to collect non-performing loans and implement them to those responsible. 4, starting from cleaning up the loan contract and guarantee procedures, find out the base, check the loopholes, and strive to improve.