集中强化依法清收模式探讨

不良资产清收、双降是困扰国有商业银行改革、发展的难点。依法清收是实现“双降”目标的主要途径。在目前我国信用、法制环境条件下，各行应发挥系统垂直管理优势，通过整合人才资源，提升经济纠纷案件集中管理、处理层次，探索专业化清收、精细化管理、市场化机制的结合创新，解决长期以来依法清收效益不高的问题。

Discussion on Centralizing the Reinforcement of Legally Clearing & Recovering Non-performing Loans

At present, our state-owned commercial banks are puzzled by clearing and recovenng non-performing assets and lowering non-performing assets proportion. Legally clearing and recovering non-performing assets is the main way to achieve the goal of lowering non-performing assets proportion. In the present credit and legal system environment of China, state-owned commercial banks should make their advantage of vertical administration, improve centralized management of economic dispute cases by integrating man power resources, explore the innovative approaches of specialized clearing and recovering, intensive management and market -orientation management and find a solution to the low benefit of legally clearing and recovering non-performing assets.