1. Management measures for overdue loans?

Management measures for overdue loans: If the borrower cannot repay the principal and interest of the loan on time for three consecutive months or six months in total, the office shall report it to the Central Credit Department in a timely manner, and the Credit Department shall promptly contact the legal advisor and pass the legal means to protect the rights and interests of the center. Post-loan management personnel should timely compile the list of overdue loans every month and update information on overdue and collection progress in a timely manner. Avoid missed collections and backlogs, and improve collection efficiency. Legal basis: Calculation and collection of loan interest in Article 14 of the "General Principles of Loans": The lender and the borrower shall calculate or pay interest on a regular basis in accordance with the loan contract and the relevant interest calculation regulations of the People's Bank of China. When the extension period of the loan plus the original period reaches the new interest rate grade, the loan interest will be calculated and charged based on the new term grade interest rate from the date of extension. Overdue loans will be charged penalty interest in accordance with regulations.

2. What does credit card transfer mean?

Credit card transfer means that the credit card debt has been turned into bad debt.

Bad debts refer to receivables that have passed the payment deadline, cannot be recovered after collection, are in a sluggish state for a long time, and may become bad debts; bad debts are the result of failure to clear accounts in a timely manner, and also refer to accounts receivable due to the failure of the other party to clear accounts in a timely manner. Property that cannot be recovered if it is not returned.

After a bad debt appears on the bill, it is recommended to go to the bank for negotiation, otherwise it will affect future credit card consumption and loans.

Since bad debts are a relatively serious overdue situation in the Hong Kong Economic Journal (much more serious than ordinary overdue debts), therefore, as long as there are bad debts in the Hong Kong Economic Journal, it means that our business with the bank is cut off. Insulated. Also, if bad debts are not dealt with, they will remain with you for a lifetime. In some cases, even if you pay off the debt, the bad debts will still remain on the letter.

Extended information

Causes of credit card bad debts:

There are two major factors that lead to bad debts. One is bad debts caused by overdue repayments, which are general bad debts. , the other is bad debts caused by premium payments.

The two types of credit card bad debts are handled differently. Generally, bad debts refer to overdue repayments, and then after the repayment period has passed, the cardholder has changed his address and mobile phone, causing the bank or financial institution to If the borrower cannot be contacted and the overdue money cannot be recovered normally, it will become a long-term sluggish state and cannot clear the account.

As for the bad debts caused by arrears, as long as all the arrears are paid off in time, of course, do not pay more. You can go to the bank to apply for a non-malicious debt certificate, and try to communicate with the bank whether the bad debt record can be deleted, or wait for the personal credit record to be revised after five years, so that it will not affect the loan.

Sogou Encyclopedia - Bad Debts

3. According to the post-loan management measures for farmers’ loans, after the loan is overdue or becomes non-performing, the account manager should take effective measures to collect it in a timely manner and fill in () .

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