本文结合金融与仲裁实践,对三家银行灵活运用仲裁法律制度,应对风险抢收回××××万元未到期贷款、化解诉讼清收回×××××万元不良贷款、解决争议实现×××××万元金融权益等三起案件进行了客观分析,从中得到了相应的启示:自愿协商,借用仲裁是银行抢救未到期风险贷款的有力措施;以打促谈,巧用仲裁是银行清收巨额不良贷款的有效尝试;约定管辖,选用仲裁是银行提高胜诉案件执行率的有利途径。 This article combines the financial and arbitration practice, the three banks to use the arbitration legal system flexibly to recover the risk grab × × × × million yuan of outstanding loans, resolving litigation to recover × × × × × million non-performing loans, to resolve disputes XX ××× million financial rights and interests of the three cases conducted an objective analysis, from which the corresponding enlightenment: Voluntary consultation, borrowing arbitration is the bank effective measures to rescue loans without maturity; to talk, use arbitration is a bank Effective collection of huge amounts of non-performing loans; agreed jurisdiction, the use of arbitration is the bank to improve the implementation rate of winning cases a favorable way.