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关于银行处置不良资产的七种方式全解
释义
一、直接催收
这是银行针对逾期贷款的普遍做法,但直接催收应注意以下问题。
一是应在诉讼时效内进行催收。
诉讼时效是指权利人请求人民法院以强制程序保护其合法权益而提起诉讼的法定有效期限。因此诉讼时效首先是法定有效期间,一般诉讼时效为两年,该期间可以中断(重新计算)、中止(继续计算),但当事人不得约定延长或缩短;其次未在诉讼时效期间主张权利,权利人丧失的是胜诉权,即请求人民法院以强制程序保护其合法权益的权利,但并不丧失实体权利,即如果债务人以超过
该内容由 张胜云律师 和 律说律答 共创回答
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更新时间:2025/4/21 21:00:53