国外商业银行解决不良贷款的基本方法

Basic methods for foreign banks to deal with bad loans

国外商业银行在经营发展的历程中,几乎都不同程度地出现过不良贷款问题。归纳起来,他们解决不良贷款的基本方法大体有三种:帮助借款人恢复健康的生产经营状态;要求借款人或担保人设法偿还债务或者清算抵押品进行清偿;在所有当事人万不得已的情况下,选择破产程序清偿债务。

During operation and development, almost all foreign commercial banks have experienced the problem of bad loans. Generally speaking, there are basically three methods for them to deal with bad loans: the first one is to help the borrower resuming healthy operation condition: the second one is to ask the borrower or the warrantor to make an effort to repay the debt or liquid the pledge for discharge: the third one is to choose bankruptcy procedure to repay the debt, when is no alternative for any party.