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立法机关和司法机关近年来出台了一系列法律与司法解释,为涉农不良贷款资产保全工作提供了一些新方法、新思路因信用评估难、担保措施弱、风险等级高等特点和客户较为分散、笔均额度小等原因,涉农贷款一旦出现不良,银行资产保全工作通常难度较大。为健全农业金融信用体系,创造良好的农村信用环境,保护涉农贷款债权人合法权益,立法机关和司法机关近年来出台了一系列法律与司法解释,致力于提高诉讼效率,缩短诉讼流程,加大执行力度,为涉农不良贷款资产保全工作提供了一些新方法、新思路。笔者结合工作经验,对这些法律处置方式及其应用做简要介绍。
In recent years, the legislature and the judiciary have promulgated a series of legal and judicial interpretations, which have provided some new methods for asset-preserving non-performing loans related to agriculture. The new ideas are characterized by poor credit rating, weak guarantee measures and high risk levels, Small pen amount and other reasons, agricultural loans in the event of poor, bank assets preservation work is usually more difficult. In order to perfect the agricultural financial credit system, create a good rural credit environment and protect the legitimate rights and interests of the creditors of agriculture-related loans, the legislature and the judiciary have issued a series of legal and judicial interpretations in recent years and are committed to raising the efficiency of litigation and shortening the litigation process, Implementation of the non-performing loans for agricultural non-performing assets preservation provides some new methods and new ideas. The author combines the work experience, on these legal methods and their applications to do a brief introduction.