“新常态”下,保持资产质量稳定已成为当前各金融机构的中心工作之一,法律手段作为不良贷款清收主渠道,对压降不良资产、提高经营效益具有重要的现实意义。本文通过分析广西分行法律清收形势及创新法律清收的必要性,总结该行相关探索实践,进而以法律视角提出创新不良贷款压降方式的思路和建议,以期对银行加快不良贷款清收处置有所裨益。一、创新法律清收路径压降不良贷款是“新常态”下银行资产质量管控的必然要求就工商银行广西分行而言,2013年信贷资产质量总体尚属良好,但个别领域贷款质量劣变已初露端倪。2014年该行信贷风险开始有所蔓延,贷款质量劣变有所加 Under the new normal, maintaining asset quality and stability has become one of the central tasks of various financial institutions. As a main channel for non-performing loan collection, legal means have important practical significance in reducing non-performing assets and improving operating efficiency. This article analyzes the situation of Guangxi branch of the law and the necessity of collecting the law of innovation, summarizes the relevant exploration practice of the bank, and then puts forward the idea and suggestion of innovating the non-performing loan pressure drop from the legal perspective in order to speed up the bank’s collection and disposal of non-performing loans Benefit. I. Innovative Laws to Reduce Ways of Recovery Non-performing loans are a necessary requirement for bank asset quality control under the “new normal” As far as ICBC Guangxi Branch is concerned, the overall quality of credit assets in 2013 is still good. However, individual loans with poor quality Change has begun to emerge. In 2014, the credit risk of the bank started to spread and the quality of loan was worsened