1, the bank initially adopts the collection method. If the collection fails, the bank will take legal measures to deal with it, preserve and freeze the disposal of non-performing assets, and recover all or part of non-performing loans;
2. When banks produce non-performing assets in the course of operation, they will package them and sell them to asset management companies. The two sides reached an agreement through consultation that the bank sells and transfers non-performing assets and the asset management company receives and takes over non-performing assets;
3. For non-performing loans that are really irrecoverable, banks will turn them into non-performing loans according to regulations.
Legal basis: Article 37 of the General Principles of Loans: collection of non-performing loans and write-off of bad debts. The credit department is responsible for the collection of non-performing loans, and the audit department is responsible for the collection and inspection. The lender shall withdraw the bad debt reserve in accordance with the relevant provisions of the state, and write off bad loans in accordance with the conditions and procedures for writing off bad debts. Without the approval of the State Council, the lender may not waive the loan. Except with the approval of the State Council, no unit or individual may force the lender to waive the loan.