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目前,依靠法律手段收回逾期贷款,已成为金融部门盘活非正常贷款所采取的重要手段。但从依法收贷效果来看不很理想,研究如何提高依法收贷的效果,已成为当今金融部门的一项重要课题。笔者就目前依法收贷中存在的问题及成因谈点看法。 一、目前依法收贷中存在的问题 仅以河南淅川县为例:自1989年以来,各家金融机构先后向法院诉讼的贷款户达151户,金额406万元,提前预支诉讼费用
At present, relying on legal means to recover overdue loans has become an important means taken by the financial sector to activate non-normal loans. However, the effect of collecting and lending according to law is not very satisfactory. Studying how to improve the effect of collecting and lending according to law has become an important topic in today’s financial sector. The author talked about the existing problems and causes in the current collection and loan according to law. First, the current problem of collecting and lending money by law is only based on Xichuan County, Henan Province: Since 1989, 151 financial institutions have lodged loans to courts, with a total amount of 4.06 million yuan, so as to advance the legal costs