规范联保保证金的账务管理,准确把握依法维权时机,完善保证责任丧失后的补救措施联保是担保圈常见的担保模式之一,在贷款的操作过程中,由于一些信贷管理人员责任意识和风险意识不足、业务操作不规范等问题,导致部分联保贷款形成事实上的“垒大户”贷款;或合同签订不完善,致使银行因相关证据链存在瑕疵,在寻求司法救济时增添了不确定因素。更有甚者,因信贷管理人员的“不作为”和对法律基础知识不了解,在借款人违约后,仅注重贷款诉讼时效的维护,忽视了在联保贷款保证期间内依法主张权利的基本要求,导致 Standardize the management of security deposits, accurately grasp the timing of safeguarding rights according to law, and improve the remedial measures after the guarantee liability is lost. UNPROFOR is one of the common guarantee modes in the guarantee circle. Due to the sense of responsibility of some credit management personnel and Lack of awareness of risk and irregular operation of the business, resulting in the fact that some UNPROFOR loans have become de facto “big big loans” or that contracts are imperfect, resulting in banks having flaws in the relevant evidence chain and adding to the need for judicial relief Uncertainties. What is more, due to credit management personnel “do not ” and the basic knowledge of the law do not understand, after the default of the borrower, focusing only on the maintenance of the limitation of the loan proceedings, ignoring the guarantee period in the UNPROFOR claims legal rights The basic requirements lead to