Strict implementation of the loan accountability system, in accordance with the "new division, the implementation of responsibility. Active measures should be taken to collect and deal with it to ensure that the absolute quantity decreases; The responsible person should make full compensation for the non-performing loans, otherwise they will be laid off, stopped and recovered within a time limit to ensure that there will be no non-performing loans formed by human factors. For those who have fulfilled their responsibilities and resumed within a time limit, they should honor the punishment measures and not delay or tolerate them. They should stop paying wages, pay compensation to laid-off workers and take legal action.

2. Implement collaborative collection

For non-performing loans formed over the years, such as financial loans from government agencies, government intervention, collective loans from village communities, loans from enterprises and institutions, all communities should coordinate with local party committees and governments or competent departments in a timely manner, and take financial allocation, government and village community property repayment to coordinate the collection.

3. Collect according to law.

For debtors, non-credit enterprises and individuals who have the ability to repay but refuse to repay, they should protect their rights according to law and use legal means to collect non-performing loans.

4. Implement the collection of special groups.

Strengthen leadership, be highly responsible, and set up a special collection team.

5. Implement pressure collection.

First inside and then outside, both inside and outside, do a good job in front of the door. Flexible by putting pressure on the guarantor, urging to repay the debt in kind or selling effective assets to repay the loan.

6. Implement disposal and collection.

Through the courts, procuratorates and other power departments, non-performing loans are collected by deducting and sealing up according to law.

Article 7 Non-performing loans that have been replaced are an important part of the assets of credit cooperatives. Credit cooperatives should operate such loans in parallel with off-balance-sheet loan assets and strengthen management.

According to Article 8 of the Administrative Measures for the Replacement of Non-performing Loans by Central Bank Bills, credit cooperatives should analyze the non-performing loans that have been replaced one by one, and explain the situation one by one to related parties, employees, relatives, fake and inferior loans or other "three violations" loans, and report them to the Associated Press in the form of a written report. The Associated Press shall, according to the report, find out the reason and order the relevant responsible person to take it back within a time limit. If economic losses are caused by the above reasons, the Associated Press will impose economic penalties and disciplinary actions on the relevant responsible persons according to the amount and the seriousness of the circumstances. If there are illegal and criminal acts, they will be transferred to judicial organs for legal responsibility according to law.