First, the borrower who has overdue repayment is urged to make dunning and urge the borrower to pay off the loan in arrears;

Second, overdue loans are charged a penalty interest;

Third, the loan officer sees the customer or makes a door-to-door collection;

Fourth, stop issuing loans that have not yet been issued;

Fifth, investigate the joint liability of the guarantor according to law;

Sixth, deal with the mortgaged (pledged) things according to law;

Seventh, exercise other rights of creditors according to law.