Along with the rapid development of our country's economy，the banking industry has also experienced large-scale credit and product innovation. In recent years，due to the economic restructuring and the impact of the economic downturn，the number of cases in which banks collect loans in accordance with the law has continued to increase. This article has analyzed the difficulties and concrete performance of the bank's legal collection and loan collection work from a legal perspective，and explore measures and ways to enhance the benefits of legal collection and loan collection. It is of great practical significance to strengthen the bank's collection of bad assets，build up prevention and response strategies，and promote the progress of financial justice.