Responsibility determination of non-performing loans

1. For non-performing loans that are overdue within 3 months before the first loan or overdue after the first collection of revolving loans, the total debt ratio of account managers, business leaders, risk control personnel and deputy general managers shall be at least 80%;

2. The sum of non-performing loan liabilities caused by circulating loans overdue after the first loans overdue or the second withdrawal in the fourth to sixth months is at least 50%;

3. The first loan is overdue continuously from the seventh month to the ninth month, with a total ratio of at least 30%.

According to Article 14 of the Measures for the Administration of Non-performing Loans in Banks, non-performing loans are identified by the credit management department and managed and disposed by the risk management department.

Solution measures

1, implement the responsibility collection, strictly implement the loan responsibility investigation system, and implement the responsibility according to the "new division". Active measures should be taken to collect and deal with it to ensure that the absolute quantity decreases; The responsible person should make full compensation for the non-performing loans, otherwise they will be laid off, stopped and recovered within a time limit to ensure that there will be no non-performing loans formed by human factors.

For those who have fulfilled their responsibilities and resumed within a time limit, they should honor the punishment measures and not delay or tolerate them. They should stop paying wages, pay compensation to laid-off workers and take legal action.

2, the implementation of coordinated collection of non-performing loans formed over the years, such as government financial loans, government intervention, village collective loans, corporate loans, etc., all agencies should coordinate with local party committees, governments or competent departments in a timely manner, and coordinate the collection through financial allocation, government and village community property debt repayment, etc.

3, the implementation of legal collection for debt-dependent households, non-credit enterprises and individuals who have the ability to repay but refuse to repay, to protect their rights according to law, the use of legal means to collect non-performing loans.

4, the implementation of the special team to strengthen leadership, highly responsible, set up a special collection team.

5, the implementation of the first pressure before clearing, both inside and outside, do a good job in front of the clear. Flexible by putting pressure on the guarantor, urging to repay the debt in kind or selling effective assets to repay the loan.

6, through the courts, procuratorates and other power departments to implement the disposal and collection, according to the law to take measures such as deduction, seizure and collection of non-performing loans.