| Summary: | 碩士 === 朝陽科技大學 === 財務金融系碩士班 === 96 === Because the economy continues murky, the domestic and foreign financial environment''s vicissitude, creates the loan household credit capacity to reduce greatly, thus causes the financial organ to exceed the time limit loans increases largely, for the stable financial order, the government in the last few years to the urge treatment bad claim, schedules many coordinated sets of measures, also has some new standards and the request in the laws and regulations, although the near future various financial organ will exceed the time limit loans has remarkable reduction, however will be continuing murky, US secondary Fang Dai and under booming the consumer debt cleaning up rule implementation environment, exceeded the time limit loans still had continually possibility of the growth. Processing of the bank bad claim mainly has urges the principle reclamation and the sell voluntarily gives the asset management company and so on two ways, urges the principle take the bank to account for the proportion voluntarily as in a big way, therefore discussion of this article urges the principle auction by our country bank to collateral voluntarily the reclamation primarily. This research affiliation practice flow and after literature collection, makes the concise regarding this research subject introduction, and aims at the processing bad claim urgent and the importance puts forward the following six proposals:
1. the acceleration bad claim processes
2. prevents the bad claim to increase
3. strengthens company of the financial organ to govern
4. governments to coordinate the revision law
5. to establish a set fair objective and the transparent appraise price system
6. establishment complete enterprise relief mechanism
Key word: Exceeds the time limit loans; Receiving after dunning fund; Resells the bad debt
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