一、问题 (一)诉讼时效错过。信贷合同是以契约形式规范行社和贷户双方的权利和义务的法律行为,具有严格的法定诉讼的时效,在信贷活动中,行社由于缺乏法律意识,不注重对贷款合同(?)期限管理。忽视贷款逾期后的胜诉权,在依法执行中丧失胜诉的判决。 (二)起诉面过大。少数行社将依靠法律收贷变为依赖法律收贷,对贷户缺乏深入细致的催收,动辄大面积起诉,感情粗暴,与贷户之间形成难以弥合的裂痕,对业务经营产生消极影响。 First, the problem (a) litigation time limitation missed. Credit contract is a legal act of regulating the rights and obligations of both the public agency and the lender by contract. It has strict time limit of statutory litigation. In credit activities, due to the lack of legal consciousness, management. Ignoring the right to win the loan after the expiration of the judgment, the successful execution of the verdict. (B) the prosecution is too large. A small number of agencies will rely on the legal collection and lending to become dependent on the law to collect and lend, lacking in-depth and meticulous collection of loans, frequent prosecutions at large numbers, violent feelings and the formation of irreducible rifts with lenders, which will have a negative impact on business operations.