1, regular collection. If the customer has good credit in the past, the overdue time is short, the relationship between creditor's rights and debts is clear, and the borrower has the ability to repay and is willing to repay the loan, this method can be adopted. Generally speaking, the recovery rate is relatively high;

2. Debt restructuring. When the above two methods are difficult to recover cash or the cost is too high, and the borrower can continue to operate with good prospects and strong willingness to repay the loan, commercial banks can choose this method to extend the debt restructuring and set the borrower, amount, interest rate, term and guarantee, and transfer the loan to enterprises or individuals with strong solvency. In this way, the pre-trial conditions must be strictly implemented, otherwise the risk will only be overdue or expanded;

3. Internal verification. Internal write-off loans that cannot be recovered after a certain recourse period. The loan file is still there, but it has not been recorded and confirmed;

4. Entrusted processing. Different from before, the entrusted treatment is that the bank entrusts the non-performing assets to the asset management company, which takes various disposal methods to recover them, and the bank pays the handling fee to the asset management company;

5. Pack and transfer. Commercial banks transfer non-performing assets to asset management companies through bidding and auction, and the asset companies will conduct follow-up treatment after the transfer.

Non-performing assets is a general concept, aiming at the bad debts in accounting subjects, including but not limited to the non-performing assets of banks, governments, securities, insurance and funds, enterprises and financial enterprises.

"Regulations of People's Republic of China (PRC) Financial Asset Management Company" Article 10 A financial asset management company may engage in the following business activities when it manages and disposes of assets formed by the acquisition of non-performing loans of state-owned banks within the scope of non-performing loans:

(1) Recovering debts;

(2) Leasing, transferring or reorganizing the assets formed by purchasing non-performing loans in other forms;

(3) Converting creditor's rights into equity and holding shares in the enterprise by stages;

(4) listing recommendation of companies within the scope of asset management and underwriting of bonds and stocks;

Issue financial bonds and borrow money from financial institutions.

Financial and legal advice, assets and project evaluation;

(seven) other business activities approved by the People's Bank of China and the China Securities Regulatory Commission.

A financial asset management company may apply to the People's Bank of China for refinancing.