(two) the first inside and then outside, both inside and outside, do a good job of "clearing in front of the door." Classify the non-performing loans that have been formed and carefully sort them out. In particular, internal employee loans or non-performing loans introduced by insiders should be taken out of this part of the loans, and whoever receives them will be responsible for it and recover it within a time limit. Otherwise, they should stop working and collect them until they have collected them completely. On the basis of self-clearing, the external loans will be collected one by one, which plays a good demonstration role.
(3) "Hit the snake seven inches", attack its key points, make full use of its strength, and skillfully collect non-performing loans. For some non-performing loans formed by relationship loans and assessed loans, especially the staff of government agencies and collectors take the initiative to negotiate with their departments, report to the leaders of their departments according to the attitude and repayment commitments of borrowers, and urge them to pay off non-performing loans with the help of the pressure of the leaders of their units. For example, Wang, the borrower of housing and obstetrics of lanshan district Municipal Government of Linyi City, borrowed 290,000 yuan from our branch on February 18, 2008. After the expiration of 18 in August, it failed many times, and he has been trying to do it. On August 30, 2008, the loan was paid off after the collection team visited the house for collection.
(four) flexible collection, by exerting pressure on the guarantor, urging him to repay the debt in kind or sell effective assets to repay the loan. Due to poor management, the borrower closed the factory and repeated collection failed. After investigation, the guarantor has the ability to compensate and can recover the loan by putting pressure on the guarantor. On June 30, 2007, the borrower Yang borrowed 49,000 yuan from our branch. After the expiration on June 30, 2008, he was unable to repay and has been in arrears with interest. The collection staff learned that Yang had about 2 mu of factory for rent, and the guarantor Zhang had a balance of about 30,000 yuan in his settlement account. The collection personnel provided relevant information to the Executive Board of lanshan district in time and sealed it at that time. Feeling the pressure, the guarantor took the initiative to contact the borrower and cashier, and finally agreed that the guarantor Zhang bought the borrower Yang's factory, paid off the loan and revitalized the loan.
(five) through the courts, procuratorates and other power departments, according to the law to take measures such as deduction, seizure, etc., to collect non-performing loans. In the process of collection, borrowers who fail to actively cooperate with the repayment of non-performing loans for many times can explain the situation and take measures such as litigation, execution and seizure to forcibly recover the loans. Borrower Xu Moumou borrowed RMB 270,000 from our branch on March 13, 2006, and it was due on September 13, 2006. After the loan expires, it has been in arrears. After research and decision by the sub-branch, the loan was directly litigated, and the loan principal and all interest arrears were deducted from the guarantor's Wu Mou account through the court, thus saving the loan.
(VI) Specific analysis of specific problems, agreeing to repay by installments is the best policy. For some non-performing loan households, in order to minimize losses, it is unrealistic to repay all loans at one time. According to the borrower's credit status, it is also a good strategy to sign an installment repayment agreement with them. The borrower Wang Moumou borrowed 47,000 yuan from our branch. Considering the borrower's actual situation, we signed an installment repayment agreement with him, with monthly repayment of 1.500 yuan. Up to now, the loan balance is still 29,000 yuan.
(7) "Water Fish" revitalized non-performing loans. For non-performing loans caused by cash flow difficulties, after on-the-spot investigation by credit personnel, considering that the borrower's projects have certain market prospects and development potential, appropriate credit support can be given according to the credit rating and credit rating to help them develop projects and gradually repay loans. For example, aquaculture loans, in particular, are easy to form non-performing loans due to long capital turnover time, but they have certain market prospects. We can consider the credit status of business households and breeding projects, and give appropriate credit funds to help tide over the difficulties, so as to better repay the loans.