Methods for dealing with bank bad debts:

1. If there is collateral, the auctioned collateral will return the arrears, and the excess funds after the auction is returned will be returned to the borrower;

2. If the borrower dies unexpectedly, it can be repaid with the inheritance. If the inheritance is insufficient, it can be returned by the heirs. If the heirs do not inherit the inheritance, the bank can only make up for it with its own profits;

3. Package the bad debts and transfer them to Financial asset management companies, through which collections are carried out, etc. Users must repay the loans they apply for at the bank on time and avoid overdue payments, because there will be penalty interest after overdue, and the longer the time, the more the penalty interest will be. Moreover, the bank will collect money after it is overdue. A common method of collection is to call the borrower's phone number. Such collection will affect the normal life of the individual. In order to avoid overdue repayment after borrowing, it is best for users to measure their repayment ability when applying for a loan and know how to use it. What income will be returned. If your personal income is not very high, you should be careful when borrowing money. After all, overdue loans will be uploaded to the credit report center, causing personal credit reports to become bad.

After the overdue personal credit report becomes bad, the user must pay back the debt in time, because after the debt is returned, it will be saved on the credit report for 5 years, and it will automatically disappear after 5 years. If the debt is not repaid, the overdue record will always be recorded on the credit report and will never disappear. In fact, if the loan cannot be repaid on time, you can borrow money from friends around you to repay it.

Bank bad debts refer to receivables that the bank cannot recover or has a very low possibility of recovery. Losses caused by bad debts are called bad debt losses.

Due to the great uncertainty of the market economy, the bank's accounts receivable may not be fully recovered in the end, that is, some or all of the bad debts may occur. The so-called bad debts refer to accounts receivable that cannot be collected. It is generally believed that if the debtor dies or goes bankrupt, the portion that cannot be recovered after being compensated with his remaining property and inheritance; accounts receivable that have been in arrears for more than three years can be recognized as bad debts. Enterprises have two different accounting methods for possible bad debts: that is, they do not usually predict possible bad debts, but only directly write off accounts receivable when bad debts actually occur (according to my country's current accounting system, this has been cancelled) accounting method).