In order to standardize the management of non-performing loans, strengthen the collection, revitalization and guarantee of non-performing loans, and improve the company's asset quality and operating efficiency, these Measures are formulated in accordance with the Commercial Bank Law, the Contract Law, the Guarantee Law, the General Principles of Loans and other relevant laws, regulations and rules.

Article 2 The objects of non-performing loans management are overdue loans, sluggish loans, bad loans and their interest receivable. Subordinated, doubtful, loss and interest receivable on and off the balance sheet classified by five categories; Bad debt write-off loans, non-performing loans that have been replaced by special bills of the central bank.

Article 3 The president shall be responsible for the management of non-performing loans. Follow the principles of adjusting measures to local conditions, standardized management, effective operation, strict assessment and performance linkage.

Chapter II Management Standards for Non-performing Loans

Article 4 The management of non-performing loans includes collection, revitalization, preservation and asset repayment.

Article 5 The collection of non-performing loans refers to the net recovery of principal and interest of non-performing loans in monetary funds. The criteria for collection are:

(-) Recover the principal and interest of non-performing loans with cash and bank deposits.

(2) Recover the interest on non-performing loans after bills are redeemed or discounted and securities are realized.

(three) the monetary income obtained by leasing the debt-paying assets shall be regarded as non-operating income; Earn monetary income by auction, sale, etc. , and offset the interest on debt-paying assets.

(4) Debt-paying assets that really need to be used for personal use shall be recorded at a discount after going through the examination and approval procedures in accordance with the relevant regulations on the management of the company's purchase and construction of fixed assets, so as to offset the principal and interest of non-performing loans.

Article 6 Revitalizing non-performing loans refers to debt restructuring and capital injection. Enhance the debtor's possibility of repaying the loan principal and interest. The standard of revitalization is (must satisfy people at the same time.

(-) The debt subject is qualified and the lending relationship is normal.

(2) The borrower's production and operation are normal, and its net profit is greatly reduced compared with the previous period.

(3) The borrower pays the current interest on time, implements the loan principal and the original interest payment plan and pays it on time. If there is a new loan, the principal and interest must be repaid on schedule.

(4) Sufficient and effective mortgage and guarantee.

(V) The form of loans changed from bad to normal.

Article 7 The preservation of non-performing loans refers to the re-realization of creditor's rights or the second repayment source when the creditor's rights or the second repayment source have been partially or completely lost.

Second, how to complain about illegal loans from banks (credit cooperatives)?

You can complain to the people's bank. This can be handled, but it also depends on the extent to which personal credit is not good, which will be affected relatively. Please try to keep good credit information.

At present, the People's Bank of China will not recognize the certificate issued by the bank. Generally, the credit information of the People's Bank of China shall prevail. It is recommended to swipe other banks' credit cards frequently, so that there will be a continuous credit transaction record, and it will take two years.

It will have an impact. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

If there are many bad records in a person's credit report, then all bank loans are limited, either no loans or less loans, depending on the actual situation of your bad records.

3. Which post or department should be responsible for the management of bank non-performing loans?

Search: Which post or department should be responsible for the management of non-performing loans in banks?

4. Which post or department should be responsible for the management of bank non-performing loans?

Credit and loan authorization of commercial banks: responsible for reviewing materials, authorizing loans to customers within the scope of authorization, and managing relevant credit files; Inquire about the authorized loan application from relevant departments. 2. Risk monitoring and early warning: (1) Responsible for regularly reminding relevant departments and personnel to conduct post-lending inspection on credit; The supervision found that there was an early warning signal after the loan; Supervise the announcement of loans with early warning signals. (2) Be responsible for the loans with early warning signals after the current loans, notify the loans with early warning signals, and make timely comments on the loans with risk early warning signals. Responsible for reviewing non-performing loans and organizing to report to the Credit Review Committee for deliberation; Monitor and warn other market risks and submit relevant early warning information in time: be responsible for sorting out and submitting all credit business information fabricated by the credit review Committee and recording credit review meetings; Responsible for sorting out and counting the votes of the credit review meeting. 4. Responsible for submitting relevant data and written materials. 5. Credit review: responsible for reviewing the credit business reported by the corporate business department and the personal business department. 6. Risk data analysis: responsible for the statistics and analysis of credit business data of the whole bank; Responsible for the credit desk of the whole bank, and responsible for reviewing the credit business reported by the corporate business department and the personal business department. 8. Be responsible for monitoring the credit rating of corporate customers of loan enterprises throughout the bank and guiding the enterprise rating. Be responsible for monitoring the changes of large deposits of corporate customers of the whole bank, and timely reporting the credit business review reported by the situation change department (corner B). Responsible for risk monitoring and reporting of key customers. Responsible for organizing the whole wind