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近几年,各地信用社对一些赖债户、钉子户、扯皮户贷款通过依法收贷取得了很好效果。但也存在一些值得注意的问题,笔者就此提出以下几点: 1、起诉对象的确定不能讲感情、讲关系、图报复。应该选择确实是多次做工作,多次催讨有钱不还的赖债户、钉子户、扯皮户。对起诉贷款户要注意有财产,有偿还能力,有详细地址,起诉对象一次不能铺摊过大。一个分社,以三五户为宜。大面积起诉,有损信用社形象和声誉。 2、证据的提供要慎重。确定贷款户后,只能向法庭提供借据、合同等复印件或附本。笔者发现有的信用社依法收贷不但没有收回贷款,连正式借据也丢失了,造成不必要的资产损
In recent years, credit unions in various places have achieved good results in collecting and lending loans to some households that rely on loans, nails and wranglings. However, there are some notable problems, the author put forward the following points: 1, the object of the prosecution can not determine the relationship between feelings, stresses relations, revenge. Should be chosen to do many times to do the work, several times to discuss the debt repayment, nails, wrangling. The prosecution of loan households should pay attention to the property, repayment ability, a detailed address, the object of prosecution can not be overstated. A branch to three or five is appropriate. Large-scale prosecution, undermine the credit union’s image and reputation. 2, to provide evidence to be careful. After determining the loan households, only to the court to provide evidence, contracts and other copies or attached. I found that some credit unions not only failed to recover the loan collection loans, even the official loans are also lost, resulting in unnecessary asset damage