Loan recovery means.

Loan recovery means that the borrower repays the principal and interest of the loan in a timely and full amount according to the repayment plan and repayment method stipulated in the loan contract. Common loan recovery methods mainly include borrowing new money to repay old ones.

_1. Borrowing new and repaying old is an operation method often adopted by commercial banks in the process of loan issuance and recovery. It means that after the loan expires (including expiration after extension), it cannot be recovered on time and is re-issued. A loan is used to repay part or all of the original loan.

__Borrowing new and repaying old ones is conducive to the revitalization of commercial banks and the completion of loan collection tasks. It overcomes the legal restrictions of the statute of limitations, further clarifies the relationship between creditors and debtors, and may require the borrower to improve or strengthen the guarantee. , weakening the risk of spot loans. However, borrowing new and repaying old has a negative impact on social credit to a certain extent, and the corporate credit concept of "borrowing and repaying" has been further weakened; to some extent, it has concealed the true status of credit asset quality and delayed the exposure time of credit risks. , precipitating and accumulating credit risks; the procedures for handling new loans imply considerable legal risks.

_2. There is loan recovery rate in loan recovery. Loan recovery rate refers to the proportion of loan recovery amount to loan disbursement amount or cumulative amount within a certain period. It reflects the loan recovery situation and loan management level to a certain extent. Loan recovery rate is an important indicator to measure the level of operation and management of commercial banks. Understanding the true value of a company's raw materials, products or inventories as well as the company's capital utilization through the futures market plays a positive and effective role in controlling loan risks and improving the quality of credit assets for commercial banks. role.

4. Example: A certain professional bank recovered three loans in 199×year×month***, with amounts of 2 million yuan, 1 million yuan and 1.5 million yuan respectively. The cumulative loan recovery amount is 4.5 million yuan. , issued 1 various loans in the same period, with an amount of 30 million yuan. The cumulative amount of loans granted is 30 million yuan, then in that month, the loan recovery rate = (2010150)/3000 =450/3000×100% =15%. Under normal circumstances, with the development of expanded reproduction, in 199× The cumulative loan disbursement amount is always greater than the cumulative loan disbursement amount of the previous year, and thus greater than the current year's cumulative loan recovery amount. Because there is a certain time lag between loan issuance and recovery, the cumulative loan recovery rate indicator is often less than 100%. For individual loan projects, if there were a lot of old arrears in the past, and the issue of new loans was stopped during the calculation period, that is, when the main purpose is to clean up and recover old arrears, the cumulative loan recovery rate will be greater than 100%. If the cumulative recovery rate and net recovery rate of production turnover loans exceed 100%, it means that this year has been more effective in recovering past arrears; conversely, the lower the percentage rate, the more old arrears.