1. Auction the collateral or have a good guarantor to repay it. If there is collateral or a guarantor when you apply for a loan, you can sell the assets to recover the funds.

2. If the lender dies, the inheritance left during his lifetime needs to be used to pay off the debt. If the inheritance is not enough to repay the debt, it will be paid by the heirs. Of course, the heirs can also choose not to inherit the inheritance, and the bank will accept the failure.

3. If the company owes money and has no money to repay the loan, but there is a broad market space, the bank will provide the company with working capital to allow the company to continue operating and slowly repay the old debt by borrowing new money and repaying the old money. loan.

4. Financial asset management companies are used to specifically collect bad debts from banks. my country has currently established four asset management sites, namely Cinda, Dongfang, Great Wall, and Dongrong, to specifically collect bad debts, that is, official collection.

Extended information:

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 92 Commercial banks shall implement classified management of credit card risk assets , the classification standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.

Commercial banks are encouraged to adopt a more prudent classification of credit card assets on the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the China Banking Regulatory Commission and its relevant agencies. standards, continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.

Article 93 Commercial banks shall establish and improve credit card business operational risk prevention and control systems and emergency plans to effectively prevent operational risks. The following risk assets should be directly included in the corresponding categories:

(1) Risk assets caused by cardholders applying for and using credit cards through fraudulent means, once confirmed, should be directly included in the doubtful or loss category.

(2) Risk assets caused by internal crimes or internal and external collusion should be directly included in the doubtful or loss category.

(3) Risk assets caused by system failures and operational errors should be directly included in the doubtful or loss category.

(4) Risk assets that have not yet been repaid after signing a personalized installment repayment agreement should be directly included in the substandard or doubtful category.

Article 94: Card-issuing banks shall continuously monitor changes in the quality of credit card risk assets, and the provision of relevant reserves shall comply with the regulations of relevant national departments.

Article 95: Card-issuing banks shall strengthen the identification and write-off management of credit card risk assets, and confirm and write-off in a timely manner. The basis, scope of determination, write-off conditions, etc. for credit card business shall comply with the regulations of relevant national departments.

Article 96: Card-issuing banks shall establish scientific and reasonable risk monitoring indicators and take corresponding risk control measures in a timely manner.

Article 97 The card-issuing bank shall, based on the development of the credit card business, use measurement models to assist in credit card business risk management, and formulate model development, testing, verification, re-examination, adjustment, monitoring, maintenance, and auditing and other relevant management systems to clarify the scope of use of measurement models.

Article 98 Card-issuing banks shall strictly implement regulatory requirements for capital adequacy ratios, and include unused credit card credit lines into the "other commitments" sub-item of commitment items to calculate off-balance sheet weighted risk assets, applicable A credit conversion factor of 50 and a corresponding risk weight determined based on the credit card transaction entity.

Article 99 Commercial banks shall implement centralized credit risk management for single customers for corporate cards, regularly calculate the total credit and advance limits of corporate cards, and continuously monitor all loans of corporate card contract parties to the bank. Credit lines and their usage, and regularly conduct inspections on the authenticity and suitability of corporate card-related transactions to prevent the use of false transactions to obtain working capital loans.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks