Loan collection is the collection of non-performing loans (including sluggish loans and overdue loans). Dull loans refer to loans that are overdue (including those that expire after extension) but not returned according to the relevant provisions of People's Republic of China (PRC) and the Ministry of Finance, or loans that are not overdue or overdue but whose production and operation have been terminated and projects have stopped (excluding non-performing loans). Overdue loans refer to loans due (including those due after extension) according to loan contracts (excluding sluggish loans or bad loans).

Methods of collecting non-performing loans: ① Using interest rate leverage, adopting methods such as raising interest rates and penalizing interest. ② Stop new loans and recover old loans in advance. ③ Take legal measures for collection. Sell the collateral through legal procedures, and investigate the guarantor's responsibility until the enterprise goes bankrupt and repays. (4) promoting income by loans. For enterprises with temporary operation difficulties but marketable products and good market prospects, they can help enterprises do a good job in production and operation by increasing start-up funds, and resolve and recover non-performing loans. ⑤ Expropriation by administrative or economic means. It is difficult to reverse the situation, but it can be "integrated" with other enterprises and has development potential. Through administrative actions or banks, various forms of cooperative operation such as leasing and merger can be adopted to revitalize the stock and resolve and collect non-performing loans.

Reply time: August 2020-17. Please refer to the latest business changes announced by Ping An Bank in official website.

[Ping An Car Owner Loan] A car can be loaned up to 500,000 yuan.

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