Khi các ngân hàng cho vay xuất hiện

Khi các ngân hàng cho vay xuất hiện những khoản nợ quá hạn, việc đầu tiên là các ngân hàng phải tìm cách thu hồi nợ. Việc thu hồi nợ quá hạn vừa làm mất thời gian của cán bộ cho vay, vừa làm tăng khoản chi phí về đi lại để lấy nợ. Nếu các khoản nợ này có liên quan đến nhiều bên thì ngân hàng phải chi phí về cả thời gian lẫn tiền cho công việc thương lượng, gặp gỡ các bên trong quá trình xử lý nợ. Bên cạnh đó các ngân hàng phải bỏ ra chi phí cơ hội rất lớn do các khoản nợ quá hạn làm chậm lại vòng quay vốn tín dụng, làm mất đi các khoản đầu tư khác của mình, đó là chưa kể đến sự ảnh hưởng lớn của nợ quá hạn với tâm lý của cán bộ tín dụng. Nợ quá hạn phát sinh làm cho cán bộ tín dụng phải mất thời gian xử lý nợ, không tiếp cận được những món vay mới đồng thời còn làm cho cán bộ cho vay ngần ngại mở rộng hoạt động cho vay…

Kết quả (Anh) 1:

When lending banks have overdue debts, the first thing the banks must do is find a way to collect the debt. Collecting overdue debt not only wastes loan officers' time but also increases travel costs to collect debt. If these debts involve many parties, the bank must spend both time and money on negotiating and meeting with parties during the debt settlement process. In addition, banks have to spend huge opportunity costs because overdue debts slow down the credit capital cycle, causing the loss of their other investments, not to mention the major impact. of overdue debt with the psychology of credit officers. Overdue debts cause credit officers to waste time processing debt, unable to access new loans, and also make loan officers hesitant to expand lending activities...

Kết quả (Anh) 2:

When a bank experiences overdue debts, the first thing to do is to find a way to recover the debt. Recovering overdue debts not only wastes the time of loan officials, but also increases the cost of collecting debts. If these debts involve multiple parties, the bank will have to spend time and money negotiating and meeting with all parties during the debt processing process. In addition, banks must pay a huge opportunity cost because overdue debt slows down credit capital flow and loses other investments, let alone the significant psychological impact of overdue debt on credit officials. The occurrence of overdue debts has caused credit officials to lose time to handle debts, unable to obtain new loans, and also made loan officials hesitant to expand loan activities...

Kết quả (Anh) 3:

When the loan bank has overdue debts, the bank should first try to recover the debts. Overdue repayment of debts not only wastes the time of loan officers, but also increases the cost of returning loans. If these debts involve multiple parties, banks must spend time and money to negotiate and meet with all parties in the process of debt handling. In addition, banks have to spend huge opportunity costs, because overdue debts slow down the flow of credit funds and lose other investments, not to mention the huge psychological impact of overdue debts on credit personnel. The appearance of mature debt makes credit officials spend time dealing with debts, unable to obtain new loans, and also makes loan officials hesitate to expand loan activities. ......