1. Negotiate repayment The bank will negotiate repayment with the borrower after discovering bad debts and bad debts, which is the simplest and quickest way. If the negotiation is unsuccessful, the bank will sue for a large amount or a long time to get back the loan, seal up the borrower's other property and deduct the funds. 2. When dealing with collateral or repaying loans by guarantors, it is sometimes necessary to provide collateral. If the borrower fails to repay the loan, the bank can formally auction the collateral, and the proceeds from the auction can be deducted from the arrears. If there is no collateral, then after the borrower has assets such as automobile products and real estate, the bank will sell these items to repay the loan. ? 3. Borrowing the new and returning the old is mainly aimed at which enterprises lend money. If the enterprise has operational difficulties, but there is still room for development according to market judgment, then the bank will choose to provide loans for the enterprise to tide over the difficulties by bringing it back to life, or directly convert debt into equity, and the non-performing assets will be converted into bank-to-enterprise investment shares.

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What do you mean by bank bad debts? In fact, bad debts of banks mean that the released funds cannot be recovered, which is also called bad debts. The main reasons are as follows: 1, overdue loans, with principal and interest not returned for more than 180 days, are classified as bad debts. 2, sluggish loans, loans overdue for three years. 3. Non-performing loans, where the lender dies or absconds, and some special accounts approved by the State Council are also non-performing loans.