加强信贷管理，防范和化解金融风险，千方百计保全信贷资产是金融机构日常信贷管理工作的重要内容。目前各金融机构在发放新增贷款时往往十二分的小心谨慎，但在存量贷款的管理上却存在许多误区。 误区之一；向借款人定期寄信，中断诉讼时效。由于《民事诉讼法》有两年诉讼时效 Strengthening credit management, preventing and resolving financial risks and doing everything possible to preserve credit assets are important components of daily credit management in financial institutions. At present, each financial institution is often cautious when issuing new loans, but there are many misunderstandings in the management of existing loans. Misunderstanding one; to the borrower send letters regularly, to interrupt the limitation of action. As the “Code of Civil Procedure” has two years of statute of limitations