依法收贷,是商业银行保全银行信贷资产的重要手段。但目前银行对企业拖欠贷款的起诉,在时间上十分滞后,大多是在企业严重资不抵债、银行债务被悬空时起诉,因而尽管实施了依法收贷,不良贷款回收仍希望渺茫,赢了官司赢不了钱,导致银行资产严重受损。中行青铜峡支行从这些屡见不鲜的事例中吸取经验教训,掌握诉讼时机,巧打依法收贷牌,有效保全了银行资产。1994年,青铜峡支行为支持当地外贸出口,由 Collecting and lending according to law is an important means for commercial banks to preserve the bank’s credit assets. However, at present, banks are lagging behind in time for the prosecution of enterprises in defaulting on loans. Mostly they are prosecuted when the enterprises are seriously insolvent and the bank debts are left vacant. Therefore, despite the implementation of the law, the recovery of non-performing loans is still hopeless and won the lawsuit Can not win money, resulting in serious damage to bank assets. Qingtongxia Branch of Bank of China learned lessons from these uncommon cases, grasped the timing of litigation, cleverly collected and lent loans according to law, and effectively protected bank assets. In 1994, the Qingtongxia Branch supported the local foreign trade exports