_ 1. Borrowing the new and returning the old, as an operation method often adopted by commercial banks in the process of loan issuance and recovery, refers to the behavior that a loan cannot be recovered on time after its maturity (including after the extension) and is reissued to repay part or all of the original loan.
_ _ Borrowing the new and repaying the old is beneficial for commercial banks to complete the task of revitalizing and collecting loans, overcome the legal restrictions of litigation, further clarify the relationship between creditor's rights and debts, and may require borrowers to improve or strengthen guarantees and weaken the risk of spot loans. However, borrowing the new and returning the old has a negative impact on social credit to a certain extent, and the credit concept of "borrowing and returning" of enterprises is further weakened; To some extent, it covers up the real situation of credit asset quality, delays the exposure time of credit risk, and precipitates and accumulates credit risk; There are considerable legal risks in the procedure of handling new loans.
_2. The loan recovery rate is included in the loan recovery. Loan recovery rate refers to the ratio of loan recovery to loan issuance or accumulated amount in a certain period, which reflects the level of loan recovery and loan management to a certain extent. The loan recovery rate is an important indicator to measure the management level of commercial banks. Enterprises can grasp the real value of raw materials, products or inventories and the use of funds through the futures market, which plays an active and effective role in controlling loan risks and improving the quality of credit assets for commercial banks.
4. Example: A professional bank recovered three loans on 199. } For individual loan projects, if there are many old debts in the past, control and stop new loans during the calculation period, that is, the cumulative loan recovery rate will be greater than 100%. If the cumulative recovery rate and net recovery rate of productive revolving loans both exceed 100%, it means that the recovery of past debts in this year is more effective; On the contrary, the lower the percentage rate, the more arrears.