How can bank financing make up for dormant accounts that are too lazy to pay back money, unable to repay debts and bad debts?

As we all know, the most profitable industry in China is banking. They don't have to worry about dormant account. Loans with low interest rates are all related households, and with high interest rates, it is easy to wipe out the irrecoverable losses of loans with low interest rates. Withdrawals must be made in person. How many people accidentally disappear every year is that people in the sky deposit money in the bank. As we all know, a large part of it has not been taken or can not be taken out. Since there is a necrotic account, there should also be a necrotic account. More than a decade ago, a family in the town opened a gas station on the road and was eliminated overnight. Later, the villagers said that his family was so rich and had worked in the bank for so many years. Since foreigners' national debt can be exempted, why can't domestic citizens who are unable to pay their debts be exempted? You know, national wealth is created by the people. Of course, we must distinguish between willingness and unwillingness, and we must not let speculators take advantage of the loopholes.

Banks are bound by regulators and are not allowed to do anything very radical. The worst thing a bank can do for its customers is to sue, and the court executive board will execute Lao Lai's property to repay the loan.

No borrower directly went from good repayment to full repayment and became a deadbeat. Under normal circumstances, it is not paid in the first month, paid in the second month, and then paid every month, and finally confirmed as bad debts. In this process, banks will actually do a lot of actions to recover loan losses as much as possible.

Generally speaking, the jurisdiction of a bank's loan business can only be one of its business institutions (branches or business teams) or collection departments. When the loan business repays normally, or when the repayment is abnormal but there is hope for recovery, it belongs to the operating institution. When it is determined that the loan cannot be recovered in a short period of time, the business will be handed over to the collection department by the operating institution, and the collection department will make the final rescue.

When managing an organization

When the loan business is still in operation, the account manager is mainly responsible for collection. The main responsibility of the account manager is to manage the loan. As long as the loan is not recovered, it belongs to the category of post-loan management. Post-loan management mainly depends on the repayment of loans, and the specific work is slightly different.

When the loan business is normal, the account manager will regularly check the bank flow, credit report and enterprise operation status, with the aim of finding problems in advance, giving early warning before the crisis and taking safety measures as soon as possible after the crisis.

At the initial stage of abnormal repayment in the loan business, the account manager will call first to find out whether it is because he forgot to repay or because he did not repay the loan.

When the abnormal repayment of loan business is not stopped in time, the account manager should first understand the main reasons for the poor repayment of customers, find out the subjective and objective reasons, and discuss feasible repayment plans with customers in time.

When the loan business is overdue for more than 90 days in a row, and the repayment plan and restructuring plan cannot be implemented, the operating institution has almost run out of funds in Jiang Lang, and can't find a better plan, so it can only hand over the business to the collection department. Of course, this also means that operating institutions have to bear the heavy responsibility of lax loan review.

The responsibilities of the operating agencies mentioned above are more official requirements, but in practice, account managers will also come to the door and take some special measures to collect money. It depends on what the account managers of each bank have.

In the collection department

The loan business falls to the collection department, and the most important thing is to rely on legal means. The collection department will entrust a lawyer to send a lawyer's letter. Whether the borrower can receive it or not, this action must be done first. On the one hand, let the borrower know that the bank will sue, which is a notice. On the other hand, it is to use legal weapons to see if it can impress borrowers and take the initiative to repay.

If the bank does not receive feedback after sending a lawyer's letter, then it will sue directly without saying anything. Almost all the evidence chains of banks have been verified by "10 thousand" cases, and the probability of winning the case is very high. After winning the case, it will be handed over to the executive board of the court for execution and auction.

If the borrower has no property available for execution and no assets available for auction, the last thing the bank can do may be to transfer the creditor's rights and sell the loan to the asset management company at a discount. At this point, a loan ended.

Summary:

Banks are relatively civilized in collecting money. Talk if you can, and fight if you can't. From the normal repayment of the loan to the final irrecoverable, it needs two departments of the bank to manage it. The main purpose of running an institution is to "talk" and find a way to solve it peacefully and recover the loan. When collecting institutions, it is mainly to "fight" and use legal weapons to recover loans.

This question is more professional. To put it simply, every time a bank puts in a loan, it will set aside a part of the loan loss reserve accordingly, which will directly affect the bank's profit in that year.

If the customer fails to repay the due loan, the bank will communicate with the customer first, asking the customer to raise money for repayment as soon as possible, and start to calculate the overdue interest and penalty interest.

Once the loan has not been repaid after a certain period of time, the unpaid loan will be included in the non-performing loan. At this point, the customer basically has no repayment ability. Banks began to resort to law and sue.

After the lawsuit was successful, the executive board of the court began to enforce the mortgage of the loan customer or ask the guarantor to repay the loan. If the customer's collateral cannot be disposed of, or it is not enough to repay the bank loan after disposal. Then the remaining overdue loans may have to be written off.

Once written off, it is necessary to use the loan loss reserve mentioned at the beginning to directly reduce the profit of the year.

Therefore, although the process is complicated, the bad debts are finally written off and the profits are reduced.

However, after the write-off, it does not mean that the loan customer will not have to repay. The bank still has the right to recourse against him. Once the customer has money again, or has other executable houses and cars, the bank will continue to chase.

The bank's bad debt rate is controllable, so don't worry, and the overall profit can be guaranteed.

In fact, the bank is a profit-making institution. It requires depositors to deposit money and then make revolving loans. Of course, banks themselves also have some assets to achieve profitability. Compared with the management of investors' funds, it can realize lending and market circulation, thus earning interest difference and handling fee. Most banks also invest in other industries to achieve capital growth.

The bank won't worry about Lao Lai not paying back the money. Every debt lent by the bank is systematically audited, and it will be lent only after passing, which greatly reduces the bad debt rate. Basic loans 100 people, bad debts 2 people, banks can maintain profitability. If the bad debt rate is large and the overdue amount is large, the bank will increase the system audit and lend cautiously. Therefore, lenders generally review personal credit records, which is why if the bad debt rate reaches an uncontrollable range, then banks will cause losses. Banks will stop lending or increase auditing and reduce lending.

The domestic bank audit system is relatively advanced and perfect, and there is generally no loss, so it is quite safe for bank depositors to deposit bank funds.

The word "compensation" is a bit inappropriate. The bank's high profits ensure that even if five people in 10 can't afford it, the bank will still make money.

Give the bank a qualitative name: speculation.

With so much interest income from banks and a little bad debts, it is still more than enough income. The bitter people are still worried about the bank.

Don't live up to the law and the public's glorious title of Lao Lai, play thoroughly and forever, and let all vampires go to hell! If you go to jail for three years, it's worth 600 thousand When you become an old lai, you will earn 600,000 yuan in three years. Let's take the prison as a pawn, relax, eat and drink, and worry will only harm ourselves. Since it's no use worrying, let go of all the burdens, work hard to earn money, and then decide when you are developed, and repay the kindness for revenge. Before you are developed, one will not touch and love Zaza.

If the bank has financial subsidies for bad debts, in addition, bad debts are much less than normal, and there will be no loss.

A bank's 120 billion bad debts are Mao Mao Rain. Those big enterprises, one enterprise has tens of billions of loans, and when it goes bankrupt, it goes bankrupt.