Why can't the bank loan be collected? My dad's bank makes loans, and it seems that many of his loans can't be collected. At present, the bank has transferred my father to the head office.

1. Why can't the bank loan be collected? My dad's bank makes loans, and it seems that many of his loans can't be collected. At present, the bank has transferred my father to the head office.

Loan officers are high-risk industries.

Because making loans now is a lifelong responsibility system. In other words, loan officers are responsible for loans for life.

After the loan loss, the bank will start the accountability procedure, which is to find out and objectively reflect the borrower's situation. The analysis of the responsibility of loan officers shows that if loan officers are innocent, they have no responsibility; If it is the negligence or incomplete investigation of the loan officer, the responsibility to recover the loan and the internal financial punishment of the bank, and the non-compliance behavior causes the loan loss, then even the bank can lend the loan to the officer.

In addition, during the period of accountability and loan recovery, credit officers only have basic salary and no living expenses. The labor law stipulates that there must be no

Second, what should I do if I can't collect the bank loan?

Spread out completely

3. What if the bank loan can't be collected? What methods will banks take?

What if the bank loan can't be collected? What methods will banks take? There is a saying that an account manager without bad loans is not a good account manager. Although this sentence is a joke made by the bank account manager, it reflects a real and common problem: it is inevitable to encounter loans that cannot be recovered. So for this situation, banks have four ways to solve it.

Borrowing the new and returning the old and extending the reorganization.

For the overdue loans of enterprises, the bank confirmed through investigation that enterprises are only in stage or temporary operation difficulties, and they are still able to repay the interest after evaluation, but temporarily unable to repay the principal. Therefore, banks generally adopt the methods of borrowing new loans to repay the old ones (issuing new loans to repay the old ones) or extending the loan repayment period (extending the loan repayment period) to alleviate the pressure on enterprises.

However, for enterprises with big problems, it is necessary to solve them through restructuring, for example, another entity with normal operations (such as the original guarantor) will undertake the loan. Loan restructuring requires that the borrower and guarantee method should not be weaker than the original borrower and guarantee method.

Method 2: Loan collection

If the above methods can't solve the problem, the general bank will seal up, freeze and detain the assets under the enterprise name, and return the bank loan by transferring the funds in the enterprise bank account or auctioning the enterprise assets (of course, in reality, many enterprises' assets are mortgaged to different banks, so banks can only auction the assets mortgaged to banks). If the enterprise's account balance or auction assets are not enough to cover the total loan amount, and the business has a guarantor,

At this stage, if there is collateral, the recoverable loan principal is generally above 90% (because the collateral is mortgaged at a discount of less than 0.7%); If it is a guarantee, the loan principal that can be recovered is above 70%.

Mode 3 loan transfer

Some things are difficult to deal with, such as the remote location of collateral, or the guarantor's uncooperative, paying back a little at a time and so on. If the bank doesn't want to spend too much time and energy to deal with it, it will package it and sell it to the non-performing loan collection company. After that, whether the recovered funds are higher or lower than the amount sold by the bank, it has nothing to do with the bank.

Mode 4 Loan Write-off

After the second and third methods, there is still a gap, such as a loan of 6.5438 billion yuan, and only 9 million yuan was recovered through the above methods. Then the remaining 6,543,800,000 yuan is indeed a non-performing loan, and the bank will confirm that it cannot be recovered, so the bank will write off the difference. However, it should be noted that write-off is only a way for banks to make accounts, indicating that

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