The judicial disposal process of non-performing loans is as follows: first, try to entrust a law firm to send a "lawyer's collection letter" for collection. When entering the litigation procedure, it is necessary to sort out the compliance of the whole loan issuance process before the litigation, and review the legality and integrity of the litigation materials. Article 13 of the Interim Measures for the Management of Working Capital Loans: The lender shall conduct due diligence by combining on-site and off-site methods, form a written report, and be responsible for the authenticity, completeness and effectiveness of its contents. Due diligence includes but is not limited to the following contents: (1) the organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower; (2) The business scope, core business, production and operation, business planning and major investment plans of the borrower during the loan period; (3) the industry status of the borrower; (four) the borrower's accounts receivable, accounts payable, inventory and other real financial conditions; (5) The borrower's total working capital requirements and existing financing liabilities; (6) Related parties and related transactions of the borrower; (seven) the specific purpose of the loan and the use of the counterparty's funds related to the loan purpose; (8) Sources of repayment, including cash flow, comprehensive income and other lawful income generated by production and operation; (9) For secured working capital loans, it is necessary to investigate the ownership, value and realization difficulty of the collateral, or the guarantee qualification and ability of the guarantor.

Second, what is the litigation procedure of bank non-performing loans?

The limitation of action for requesting protection of civil rights from the people is generally two years.

The limitation period for the following litigation cases is one year:

(1) Requesting compensation for personal injury;

(two) the sale of substandard goods has not been declared;

(3) delaying or refusing to pay the rent;

(4) Loss of or damage to the property in escrow.

note:

The limitation period of action shall be counted from the time when you know or should know that your rights have been infringed. However, if more than 20 years have passed since the date of violation of rights, the people will not be protected. Under special circumstances, the people may extend the limitation of action.

3. What is the overdue process of Industrial Bank?

According to the regulations of Industrial Bank. If the repayment amount of the credit card exceeds the final repayment date and the minimum repayment amount is less than the minimum repayment amount, it will be deemed overdue, and a bad record will be generated and uploaded to the credit information system of the People's Bank of China.

The overdue credit card of Industrial Bank mainly has the following consequences:

1. The cardholder is required to pay the bank the minimum unpaid overdue fine of 5% and the full penalty interest on the bill (the daily interest rate is 0.5 ‰, and the interest will be calculated from the day of consumption and compounded monthly until the principal and interest are paid off).

2. Cardholders will have bad credit records in the credit information system of the People's Bank of China, and the bad records will be kept for five years.

3. If the repayment is overdue for more than 90 days or the bank refuses to repay for more than two times, the bank will freeze the cardholder's card and list it as a prohibited customer (blacklist), and the personal credit business in the bank will basically be rejected again.

After the overdue occurs, the cardholder can solve it in the following ways:

1, timely repay and continue to use the credit card. Article 16 of the Regulations on the Administration of Credit Information Industry: The retention period of personal bad credit of credit information institutions is five years from the date of termination of bad behavior or incident, and it will be deleted if it exceeds five years. The records displayed by bad credit cards only show the records of the past 24 months. In other words, after overdue, the cardholder pays off the debt, keeps the card in normal use, and voluntarily repays after consumption. In this way, after two years, the bad records of credit cards will be refreshed and covered, and a good credit record will be re-formed.

2. Repay in time and negotiate with the bank. Because the bank has a fixed time to declare credit, if you haven't reported bad credit, you can talk to the bank and generally eliminate it.

3. When applying for credit business, you can ask the bank to produce a "non-malicious overdue certificate". Cardholders can communicate with the bank and try to get the bank to issue a "non-malicious overdue certificate", which is very beneficial to maintain a good credit record.

4. What is the litigation procedure for non-performing loans of banks?

If the borrower's bank flow cannot reach the lending institution, it can provide qualified mortgage or guarantee for the loan. At present, the most commonly used mortgage loan method is that the borrower who applies for this loan needs to provide: real estate license, valid identity certificate of himself and his spouse; Real estate appraisal report; The written certificate and mortgage intention of the person who has the right to dispose of the mortgaged property, and other loan materials required by the lending institution.

Another way is to add parents as * * * * which is relatively simple. Parents and lenders themselves can easily add their parents as * * * borrowers by going to Yinkouben and the lender's marriage certificate (the single certificate that the parent bank is running smoothly).