Measures for the collection of non-performing loans of rural credit cooperatives

First, the collection measures of non-performing loans of rural credit cooperatives

1, centralized collection. In recent years, although our front-line credit officers have been very conscientious, saying that their mouths are broken and their legs are worn out, the effect is still not good. This is a bad credit atmosphere at work. We can concentrate people on debt collection, use propaganda vehicles to create a strong momentum of debt collection, and let those who default or evade debts take the initiative to repay loans under the pressure of public opinion; 2. Collect according to law. Collection according to law is a necessary and very effective measure for credit cooperatives. The author believes that in the current climate of bad credit atmosphere, only those who maliciously evade and default on their debts can get better results by collecting and killing them according to law. Collecting money according to law is also a test of the quality of credit personnel's work, thus blocking the loopholes in illegal lending. We should actively cooperate with the public security and judicial organs to do a good job of collection according to law. 3. Newspaper collection; For those who maliciously evade debts, we can show their dishonesty by publishing newspapers, so that they can hold their heads high and be despised everywhere in society, thus achieving our goal of collecting money. 4. Post a clear collection; For those who are in debt, we can post a list at their place of residence to show their dishonesty, make them feel that the debt is despised by the people around them, create pressure in their hearts and urge them to pay their debts. Gradually form an atmosphere of glorious credit and shameful breach of contract in society. Supplement: 1. Strengthen the collection of non-performing loans and collect them 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. 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. 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.

Ii. 202 1 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.

Three, talk about how to strengthen the management and cleaning of non-performing loans in rural credit cooperatives.

This is a big topic, which can't be explained clearly in one or two sentences.

For the management of non-performing loans, I personally think: first, we must build a ledger; Second, we should do a good job of preservation and prepare for future collection; The third is to strengthen dynamic management and always pay attention to the production and operation of borrowers.

Personally, I think: first, we should analyze the reasons one by one and pay attention to the collection that varies from person to person; Second, adopt a flexible collection strategy, face the reality and minimize losses; Third, take tough measures against those who have the ability to repay but lack the will to repay until they are dealt with according to law; Fourth, for those who are willing to repay but temporarily unable or unable to repay for free, they can partially recover, borrow the new and return the old, make a repayment plan and revitalize the loan under the condition of improving the procedures and materials.

Four, rural commercial banks in the collection of non-performing loans can ask a third party.

Rural commercial banks may invite a third party when settling non-performing loans. In fact, rural commercial banks have sold their non-performing assets.