时下，不少金融机构采取责任贷款换据的办法清收不良贷款，即先界定和划分涉及不良贷款人员的责任，然后按责任大小确定要承担的贷款清收数额，并以责任人的名义立据借贷，最终将不良贷款进行置换。这种带有赔偿性质的不良贷款清收方法，在实践中确实产生了一些积极效果：一是 Nowadays, many financial institutions take the principle of loan-for-responsibility for recovering non-performing loans. That is, they first define and classify the liabilities of non-performing loan personnel, and then determine the amount of loans to be borne according to the amount of responsibility and establish the name of the responsible person According to borrowing, the non-performing loans will eventually be replaced. This method of recovery of non-performing loans with compensatory nature does have some positive effects in practice. First,