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1、信用社（银行）依法处置专项票据置换资产总结材料默认表情酷猴呆呆男信用社（银行）依法处置专项票据置换资产总结材料专项票据置换资产清收处置工作，不仅是专项票据按期兑付的需要，更是改善经营状况、加快发展的需要。联社高度重视此项工作，结合实际情况，采取了以下处置措施：一是建立置换资产处置机制，明确处置责任。联社成立了由主任任组长，相关部室和信用社负责人为成员的专项央行票据置换不良贷款处置清收工作领导小组。各信用社也成立了相应的处置清收专班。处置任务做到层层分解，责任到人。二是建立健全管理约束机制。根据有关法律法规和上级文件的要求，联社制定了市区农村信用合作联社不良资产处置办法，对置换不良贷款的处置原则
2、、处置方式、处置程序、处置权限、处置考核奖励、处置纪律作了规定，为置换资产的管理与处置提供了依据和动力。三是加强置换资产台账管理。对置换资产的原始档案已完整、妥善保存，单独建立账册，逐户逐笔建立清单，并落实专人负责管理。四是严格考核和奖励。对处置清收人员按照“清收计奖、多收多奖、定量考核、按季兑现、奖励到人”的原则奖励到人。不良资产处置完成情况与各基层信用社综合费用率挂钩。五是分类处置。根据置换不良贷款形成原因以及借款人和保证人当前的偿债能力，采取不同的处置方式：对个别恶意逃废金融债务者，争取司法介入，加大依法收贷和强制执行力度，最大限度地清收置换资产；对暂无偿还能力的贷款，签订清收计划，争取
3、逐步归还；对借款户失踪、家无财产的，继续查探其下落，关注其生产经营情况，一旦发现其有归还能力，及时落实债权；对确实存在实际困难，无法收回的置换资产，逐笔说明无法收回的原因，并提供法律证明文件或其他相关证明文件。六是加大外部协调力度。加强与地方党政、工商、公安、经贸等部门的沟通与协调，争取他们的帮助与支持，为置换资产处置清收营造良好的外部环境。至6月末，已处置置换不良贷款20户，金额4757万元，占比为92.08%，其中：现金清收3户，金额281万元，今年清收1笔，金额30万元，现金清收率为5.44 %；已处置但尚未清收17户，金额4476万元，占比86.64%；发生处置费用4万元，占已处置置换
4、不良贷款的0.09%。尚未处置置换资产16户，金额409万元，占比7.92%。处置率和现金清收率均达到专项票据兑付考核标准。 结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16i4s,gckqgm146lnrdqihawm7vh4jvnvtih9aiad84qy79qehh77r0hnlw,vt94vp14.stpe2.lael3v3a.xuiwqs33lt.97llnxhmqt.9y2b1ikch7ha3zqwdqrjifs,f36.lilm98lz7bfj.3nt,l,tyr,n.gyrfhz4s4hrphyzn,j6mh723kp
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