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银行贷款逾期不能收回，就有可能形成风险性贷款。笔者试从诉讼时效角度谈谈银行逾期贷款的风险性问题。诉讼时效，是法律规定的权利人（包括公民和法人）向人民法院请求保护其民事权益的法定期限。在诉讼时效期间内，人民法院对权利人的请求予以保护；诉讼时效届满，人民法院对权利人的请求不再予以保护，负有义务的人因诉讼时效届满也不再履行义务。因此，诉讼时效就是提起诉讼的有效期限。
Bank loans can not be overdue, it is possible to form a risky loan. I try to talk about the risk of bank overdue loans from the perspective of litigation. The limitation of action is the legal period for the obligees (including citizens and legal persons) prescribed by law to request the people’s court for the protection of their civil rights and interests. During the period of limitation of action, the people’s court protects the request of the obligee; when the limitation of action expires, the people’s court no longer protects the obligee’s request, and the obliged person will no longer fulfill its obligations as the limitation of action expires. Therefore, the limitation of action is the effective period of the suit.