由于中国经济的下行,在近两年,企业出现了不同程度的经营困难,也造成了银行、小贷公司、担保公司等金融机构不良贷款的上升。不良贷款催收成了金融公司的一项重大任务,本文从不良贷款的形成原因和催收基本原则和方法等关键问题入手,希望可以及早减少不良贷款带来的损失。 Due to the downturn of China’s economy, in the past two years, enterprises have experienced various levels of operational difficulties and also caused the rise in non-performing loans of financial institutions such as banks, small-loan companies and guarantee companies. The collection of NPLs has become a major task for financial companies. Starting with the key reasons for the formation of NPLs and the basic principles and methods of collecting loans, this paper hopes to reduce the losses caused by NPLs sooner rather than later.