运用法律手段清收不良资款,现已越来越引起许多金融机构的重视。然而,官司好打执行难又成为金融机构头痛的新问题。从信用社的实际情况来看,由于一般是在贷款逾期较长时间后才起诉,因此往往面临官司胜诉后无财产可执行的局面。要改变这种被动局面实行不良贷款早(限)期起诉清收制度,不失为是一种有效的办法。 The use of legal means to collect non-performing loans has attracted more and more attention from many financial institutions. However, lawsuits are hard to beat and become new headaches for financial institutions. From the actual situation of the credit cooperatives, since the lawsuit is usually taken after the loan is overdue for a long time, there is often no enforceable situation after the successful case. It is an effective way to change the passive (early) period of prosecution and collection system of non-performing loans in such a passive situation.