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当前国内外经济形势依然错综复杂,积极因素和隐忧并存,给银行资产质量稳定带来严峻考验。本文从阐述国内外商业银行个人逾期贷款催收管理情况入手,分析各类商业银行个人逾期贷款催收管理优劣情况和适用性,提出进一步加强我国商业银行个人逾期贷款催收管理的策略思考,运用改革创新的思路,探索更为适合自身管理和业务发展需要的、科学有效的个人逾期贷款催收管理方式,提升发展空间,深化风险管理,提高资产质量,实现持续健康发展。
At present, the economic situation both at home and abroad is still intricately complicated with the coexistence of positive factors and worries, which have posed a severe test for the stability of the quality of bank assets. This article starts with the collection and management of overdue loans of commercial banks both at home and abroad, analyzes the advantages and disadvantages of individual overdue loans collection and management of various commercial banks, puts forward some countermeasures to further strengthen the collection management of overdue loans of commercial banks in our country, , And explore a more scientifically effective method for collection and management of overdue loans for personal management and business development so as to enhance development space, deepen risk management, improve asset quality and achieve sustained and healthy development.