When the bank goes bankrupt, the loan borrowed from the bank needs to be repaid, but at this time it is not repaid to the original bank, but the debt relationship between the lender and the bank is transferred to the relevant institutions that liquidate or take over the bankrupt bank, and the two sides of the debt are changed from the lender and the borrowing bank to the lender and the clearing institution. Banks or other financial institutions that lend monetary funds at a certain interest rate must return them, which is a form of credit activities. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated monetary and monetary funds in the form of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.