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当前农发行的贷款方式主要使用信用贷款、保证担保、抵押担保、质押担保和上述方式综合使用的贷款。但不管采取哪种方式,难免在某一领域、某一贷款对象产生不良现象,对此必须在第一时间发现、研究盘活对策,化解风险,避免或减少损失。笔者根据数十年的信贷管理和实践经验总结了十种盘活不良贷款的方法,方法可单用、可综合运用,但方法的运用要建立在对不良贷款产生的对象综合信息全面了解,深入
At present, ADBC loans mainly use credit loans, guarantee guarantees, mortgage guarantees, pledge guarantees and the above-mentioned comprehensive utilization of loans. However, no matter which method is adopted, it is unavoidable that a loan object will be adversely affected in a certain area. Therefore, we must find, study and revitalize the countermeasure in a timely manner to mitigate the risk and avoid or reduce the loss. According to decades of credit management and practical experience, the author summarizes ten ways to revitalize non-performing loans. The method can be used alone and can be comprehensively used. However, the method should be based on a comprehensive understanding of the comprehensive information of the objects arising from the non-performing loans.