目前,解决银行借款合同争议的方式主要是双方协商或者向管辖地人民法院诉讼。但在银行工作实践中,由于诉讼标的分属不同的人民法院管辖,审结案的周期长。如遇项目周期短的企业在一审后,又选择上诉,再提请检察院抗诉等程序拖延时间,有的长达四、五年,最后判决下来,资源消耗枯竭, At present, the solution to the dispute over bank loan contracts is mainly through negotiation by both parties or litigation to the people’s court at the place of jurisdiction. However, in the practice of bank work, due to the subject of litigation under the jurisdiction of different people’s courts, the trial and approval cycle is long. In case of project short cycle after the first instance, the enterprise also chose to appeal and then procured the Procuratorate to protest against such procedures as time delay, some for up to four or five years. In the end, the verdict of resource exhaustion,