1. Borrower can't repay the loan: The borrower can't repay the loan on time due to reasons such as the borrower's inability to repay, temporary difficulties in capital turnover, force majeure, intentional evasion of debts, enterprise restructuring, etc.
2. Re-issuance after the maturity of the loan: For the loan that can be recovered normally at maturity, the work that the bank should do includes notifying the customer, handling the accounts, returning the collateral, inputting the settlement information into the credit information system of the People's Bank of China, and issuing the settlement certificate.