As long as it meets the bank lending regulations, it can. Personal debt restructuring refers to the debtor's inability to repay the debt. Negotiate with creditors to re-establish the repayment plan, so that the debtor can repay within the scope of its ability, and at the same time let creditors avoid losses. In essence, it is to replace loans, replace high-interest loans with low-interest loans, and replace short-term loans with long-term loans, so as to save interest and reduce the repayment pressure in the current period.