The basic method for the disposal of overdue loans does not include entrusted collection.

the meaning of loans overdue:

loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to return the loan principal and interest to the lending bank within the loan time limit agreed in the loan contract without going through the relevant extension or lending procedures, thus causing the loan to exceed the agreed time limit.

principle of entrusted collection:

principle of minimizing losses. The purpose of entrusted collection is to maximize asset recovery with faster disposal efficiency. Therefore, we can't entrust the collection regardless of the cost, blindly entrust the collection, we should determine the transaction norms of the entrusted collection under the premise of policy permission, and determine the price of the entrusted collection according to commercial principles, and we should pay attention to preventing the phenomenon that the entrusted collection does not account for the income and does not count the cost.

the principle of openness, fairness and transparency, on the one hand, entrusted collection is characterized by openness and marketization because it involves the participation of many social forces, which can avoid the occurrence of black-box operations to some extent.

On the other hand, due to the multi-faceted and complicated participants, it is even more necessary to adhere to the openness, transparency and proceduralization of the whole entrustment process, clarify the operation process, standardize the operation route, and prevent the phenomenon of putting the cart before the horse.

loan classification:

1. Normal category:

The borrower has always been normal, the loan has not expired and the interest can be paid on time, that is to say, the loan principal and interest can be repaid in full, which is not overdue.

2. Category of concern:

loans overdue (including after the extension) shall not exceed 9 days (inclusive), and the interest arrears of this loan shall not exceed 9 days (inclusive).

iii. Sub-category:

loans overdue (including after the extension) is more than 9 days to 18 days (inclusive), and this loan owes interest for more than 9 days to 18 days (inclusive).

IV. Suspicious category:

loans overdue (including after the extension) has been in arrears for more than 18 days, and the bank has filed a lawsuit, and the execution procedure has not yet ended, so the loan cannot be fully paid off and the losses are large.

V. Loss:

Loss loans refer to loans that have caused losses to the bank, the borrower cannot repay the due loans, and the bank can't recover all the loans after the legally obtained mortgage assets are accounted for according to the fair market value confirmed by the assessment.