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就银行的贷款业务来说,对保证时效和诉讼时效基本涵义的深刻理解及有效维护至关重要。但在实际执行过程中却存在不少问题,包括当事人认识上的偏差、贷款追索取证困难和有关各方配合欠佳导致执法不力等。与之相应的对策应该是尽量使当事人各方知法守法;有关部门协调配合,健全法制环境,依法保护银行债权;此外,银行应采取合法有效的措施追索贷款,规范运作,以维护保证时效和诉讼时效,避免不必要的纠纷。
As far as the bank's loan business is concerned, it is of crucial importance to understand and effectively safeguard the basic meaning of limitation and limitation of limitation. However, there are still many problems in the actual implementation process, including the deviation of parties' understanding, the difficulty of obtaining evidence for loan recourse and the ineffective enforcement of law by all parties concerned. Corresponding countermeasures should be to try to make all parties concerned know the law and obey the law; the relevant departments coordinate and perfect the legal environment, protect bank claims in accordance with the law; In addition, banks should take legal and effective measures to recruit loans and standardize operations in order to maintain the guarantee aging And the statute of limitations, to avoid unnecessary disputes.