1. What should I do if the bank loan cannot be collected? What methods will banks take?

what should I do if the bank loan cannot be collected? The bank will take a joke that the account manager is not a good customer and the managers laugh at themselves, but it reflects that a real general loan is inevitable. Then for the decision.

repayment by borrowing new loans

For the overdue loans of enterprises, the bank confirmed through investigation that the enterprises are only in stage or temporary operation difficulties, and after evaluation, they are still able to repay the interest, but temporarily unable to repay the principal, so banks will generally take the measures of repayment by borrowing new loans (issuing a new loan to repay the old loan) or extension (lending the loan to relieve the pressure on enterprises).

However, if the enterprise has serious problems, it should be reorganized to solve them, for example, another entity with normal operation (such as the original guarantor) will undertake the loan. Loan restructuring requires that the borrower and guarantee method should not be weaker than the original borrower and guarantee method.

method 2 loan settlement

if the above methods can't solve the problem, the general bank will return the bank's loan by transferring and selling the assets of the enterprise (of course, in reality, many enterprises' assets are mortgaged to different banks, so all the assets). If the enterprise's account balance or auction assets are not enough to cover all the loan amount, and this business has a guarantor, then the bank will conduct it with the guarantor.

At this stage, if there is collateral, the loan principal that can be recovered is generally more than 9% (because the collateral is mortgaged at a rate of .7 fold or less); The principal is above 7%.

Mode 3

Some things are difficult to deal with, such as the remote geographical location of the collateral, or the uncooperative guarantor, which returns a little at a time, etc. If the bank doesn't want to spend too much time and energy to deal with it, it will be packaged and sold to the NPL collection company in a unified way. After that, the NPL collection company has nothing to do with the bank regardless of the amount of the recovered funds sold.

Write-off of loan in Mode 4

If there is still a gap, such as a loan of 1 million yuan, only 9 million yuan will be recovered through the above-mentioned methods, which means that it is really a bad loan and the bank confirms that it cannot be recovered, then the bank will write off the difference. However, it should be noted that the write-off is only a way for the bank to make accounts, indicating that there is no such bad amount in the account.

The above is the "What should I do if I can't get my bank loan back?" provided by Online Lending Eye. What methods will banks take? " Related content, welcome everyone's attention.

second, what is the final disposal of the non-performing loans that the bank can't collect? What are the rules?

Non-performing loans are basically a headache for every bank in reality. However, the occurrence of non-performing loans does not mean losses. For example, the reported non-performing loan balance of Guiyang Rural Commercial Bank is about 1 billion yuan, and the non-performing rate is nearly 2%. It takes 2 years to cover the non-performing loan balance based on the annual profits of Guiyang Rural Commercial Bank, but China Chengxin International still gives Guiyang Rural Commercial Bank an A-level rating. This is because non-performing loans do not necessarily mean losses. (Individuals and enterprises have similar disposal methods, so enterprises are introduced in a unified way).

for overdue loans, through investigation, it is confirmed that the enterprise is only in a phased or temporary operation difficulty, and is still able to repay the interest at present, but temporarily unable to repay the principal, so banks will generally adopt the methods of borrowing new loans to repay the old loans (issuing a new loan to repay the old loans) or extending the loan repayment period (extending the loan repayment period) to reduce the pressure on enterprises.

if the enterprise has serious problems, it will be solved by restructuring, such as another entity (such as the original guarantor) that is operating normally to undertake the loan. Loan restructuring requires that the borrower and guarantee method should not be weaker than the original borrower and guarantee method.

if the above-mentioned methods cannot solve the problem, the general bank will seal up, freeze or detain the assets under the name of the enterprise, and return the bank loan by transferring the funds in the enterprise's bank account or auctioning the assets of the enterprise (of course, in reality, many enterprises' assets are mortgaged to different banks, so banks often can only auction the assets mortgaged to the bank). If the enterprise's account balance or auctioned assets are not enough to cover all the loan amount, this loan will be repaid.

At this stage, if there is collateral, the loan principal that can be recovered is generally more than 9% (because the collateral is mortgaged at a rate of .7 fold or less); If it is guaranteed, the loan principal that can be recovered is above 7%.

some loan transfers are difficult to handle, such as the remote geographical location of the collateral, or the uncooperative guarantor, which returns a little at a time. If the bank doesn't want to spend too much time and energy to handle them, it will be packaged and sold to the NPL collection company. After that, the NPL collection company has nothing to do with the bank regardless of whether the recovered funds are higher or lower than the amount sold by the bank.

after the loan is written off in the second and third ways, there is still a gap, such as a loan of 1 million yuan, and only 9 million yuan is recovered in the end through the above ways. Then the remaining 1 million yuan is really a bad loan, and the bank confirms that it cannot be recovered, so the bank will write off the difference. However, it should be noted that the write-off is only a way for the bank to make accounts, indicating that there is no such bad amount in the account.

summarizing personal non-performing loans is the same as solving the problem of enterprises, but because the amount of personal loans is relatively small, banks generally skip the first step and start directly from the non-performing collection stage. Banks are not charitable organizations, and they will not accept losses easily for non-performing loans, and will take all measures to minimize the amount of losses.

generally speaking, if the borrower fails to repay the principal and interest for three months in a row, it will be regarded as a non-performing loan. The disposal of non-performing loans by banks basically adopts collection, reorganization, transfer and write-off.

most bank loans are secured by sufficient collateral or guarantors. In case of non-performing loans, banks can sell collateral or find guarantors to repay them.

For credit loans without collateral or guarantor, the bank can ask the borrower to purchase loan credit insurance. If an individual borrower dies unexpectedly or encounters an accident and is unable to repay, the enterprise is poorly managed and insolvent, the bank can get compensation from the insured insurance company.

loan restructuring is generally used in enterprises. If an enterprise with market potential or salvation is unable to repay the bank loan, the bank may allow the loan to be extended, reduce interest or inject capital in the form of loan according to the operating conditions of the enterprise, so that it can maintain normal operation and then repay the bank loan; Another way is called loan translation in the bank. If enterprise A is unable to repay the loan, the bank finds enterprise B which has an interest relationship or connection with enterprise A, and enterprise B may be willing to take the loan because of the bankruptcy of enterprise A, and the non-performing loan will be transferred to enterprise B, which is based on the principle of voluntariness.

restructured loans are not included in the NPL ratio, which is very helpful to reduce this indicator.

when the transferring bank determines that it is unable to recover the non-performing loans, it will transfer the non-performing assets to Cinda, Dongfang, Huarong and Great Wall for disposal. The four major asset management companies will use all reasonable and legal means and resources to make up for the losses as much as possible. The usual methods are:

going to the door to collect debts, making concessions on the amount, discounting or reducing interest and other preferential conditions to promote peace talks as much as possible.

taking legal proceedings for recovery is costly in time and money, so I have no choice but to take this step.

transfer of creditor's rights, debt-to-equity swap, conversion of creditor's rights into shares of a debt company, or conversion of creditor's rights into shares of a debt company, and issuance of shares for investors to subscribe.

The four major asset management companies earn profits by buying low and selling high from non-performing assets.

Not all non-performing loans can be written off after loan write-off. It must be determined through various efforts that there is no possibility of recovery or loss reduction, and the non-performing loans that have become bad debts must meet certain conditions. The central government has strict legal procedures for loan write-off. Write-off of bad debts is written off with bank profits, so it will reduce the bank's income in the current year. China Banking Regulatory Commission has requirements on the indicators of non-performing loan ratio of banks, so banks should consider the consequences of non-performing indicators and the loss of profits comprehensively and decide whether to write them off with a prudent attitude. However, this does not mean that the borrower makes a purchase and sale after the bank has written off the loan. It is just a method of accounting. If you have the ability to repay in the future, you still have to pay it back.

In short, banks should make every effort to recover non-performing loans, and will not easily admit it.

of course not.

banks have many ways to deal with it. Such as collection. Extension. Debt restructuring. Litigation. Stripping

collection refers to urging borrowers, credit card holders, guarantors and mortgagor to repay or assisting in urging in various ways.

under special circumstances of extension, the bank allows the borrower to extend the repayment period, postpone it, and repay it in personalized installments.

after debt restructuring negotiation, the repayment period will be delayed by changing the borrower, increasing the secured mortgage, agreeing to merger and division.

the lawsuit is against the borrower, the borrower, the guarantor and the mortgagor, and applies for enforcement.

divestiture consolidates the non-performing loans of a certain industry and a certain region into one or several asset packages, and sells them through public bidding and transfers them to the buyers. Investors or investment companies, lawyers, etc., according to their own investigation conclusions, invest in the purchase of asset packages for disposal and seek benefits. There are many names such as stripping, transfer, pooling, and packaging.

Write-off includes write-off of bad debts, write-off of losses, write-off of expenses, etc., but it is only an internal disposal method of the bank, that is, the assets on the balance sheet are turned off the balance sheet, which does not mean that the creditor-debtor relationship is eliminated. After the write-off, the bank can also continue to collect lawsuits, such as divestiture and reorganization. Unless the borrower dies, closes down and goes bankrupt and other subjects are lost, the creditor's rights and debts will last forever.

banks will package assets and sell them to asset management companies. The asset management company may sell it to the public through asset securitization. This is how the subprime mortgage crisis in 28 happened. Banks don't recognize bad luck, and those who can get bad assets from banks must also be people with connections and abilities. These geniuses, after getting the asset package, can resell it themselves to earn the difference, or they can ask for money and arrange lawyers themselves. Of course, most of them are asset securitization, selling to the public and transferring risks. Maybe one day, the wealth management product you bought in the bank is it!

you're right, you just admit that you're unlucky.

banks will digest loans that are really irrecoverable in three ways.

Write-off is internally called "plug-in for domestic sales", that is to say, the bank has written off this loan with its own profits, but the debt of this loan still exists. As long as the borrower has money in the future, we will still come to collect it.

not all loans can be written off, and it must be strictly confirmed that the loan is really irrecoverable before it can be written off. Moreover, the procedures for write-off are very strict, and they will be reviewed at different levels and submitted to the financial examination and approval.

It is a common practice in the world to package, transfer and set up financial asset management companies to manage and dispose of non-performing assets of banks. Many non-performing loan banks think that they can't get it back, or they don't have the energy to get it back, or the cost of getting it back is too high, so they will package these assets together and transfer them to financial asset management companies at low prices, which will handle them. Well-known asset management companies, such as Huarong, Cinda, Great Wall and Dongfang, all specialize in this. The packaging price varies, and the lowest price in Guangzhou seems to be only 1% off.

this method of replacement is relatively rare, and it is a special method used in a special period. In 23, considering the high risk and heavy bad burden of rural credit cooperatives, in order to support the reform of rural credit cooperatives, the state adopted the method of issuing special bank notes by the People's Bank of China to replace the bad loans of rural credit cooperatives, reduce the burden of rural credit cooperatives and support their development.

The bank's non-performing assets are the assets formed by the borrower loans overdue who can't repay the loan after collection, and these assets are finally disposed of by the bank.

There are two ways to dispose of non-performing assets in general banks:

1. Continue to collect non-performing assets, and dispose of overdue assets through door-to-door collection. Generally, banks will first collect them from their own employees. If the collection has no effect, they will entrust the collection work to a special collection agency outside.

2. After continuous collection, there is still no way to recover the loan assets. The bank will go through the write-off process, and through internal layer-by-layer approval, offset the non-performing assets with bank profits.

In short, there are corresponding rules and regulations in the bank for non-performing assets, and different treatment methods are adopted according to different situations to ensure the resolution of non-performing assets.

The above are my personal views on this issue, hoping to help you.

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Irrecoverable loans will be written off if they meet the write-off conditions, and those that do not meet the write-off conditions can only exist as non-performing loans. Write-off means that the relevant debtor will do it without any possibility of repayment, and the relevant situation will be carefully verified. It is difficult to get away with it. Personal non-performing loans are generally not written off unless someone dies. It should be noted that even if it is written off, it just means that the loan is gone in the system, and the debt relationship between you and the bank has not been lifted. If you have the repayment ability in the future, the bank may ask you for repayment.

every year, the bank sets aside a provision for bad debts of several thousandths of its business, and it is acceptable for bad debts to be within the percentage. As for ordinary people who want to borrow money from banks, they need collateral as collateral to get the money. Banks can't be repaid. Unless it is a commercial credit loan, banks can be repaid without collateral.

bad debts, dead accounts, sleep accounts are always owed. [Laughter ]

In fact, it's almost the same as how enterprises handle bad debts. Banks can't recognize bad luck. How can they give up bonds for no reason? Non-performing loans have a great impact on the treatment of banks and bank employees. It can be said that it is a very big burden, and it takes several years of profits to digest this bad debt. However, there are many situations that need to be dealt with separately. Here is a brief introduction, hoping to attract more attention.

first of all, bank loans are classified into five categories, and the percentage of losses is calculated according to different categories. Generally, there are several ways to deal with non-performing loans, but they are still flexible in actual treatment, and they are not treated according to pure theory. Generally, there are bad debts or suspicious loans, and banks will communicate with borrowers to understand the actual financial situation. They can adopt measures such as postponing the repayment of principal, extending loans, borrowing new loans and returning old ones to maintain the normal operation of enterprises, so as to properly handle risks and make enterprises come back to life, so that loans can be repaid normally, but this may also continue to hide risks, and eventually the amount of loans lost will be even greater.

secondly,