The policy of deferred repayment of principal and interest refers to the repayment method in which the borrower pays interest on schedule according to the agreed interest rate and term within the loan period, and repays the principal in one lump sum at maturity. The advantage of this repayment method is that the borrower can pay interest on schedule and repay the principal in one lump sum, which reduces the financial pressure of the borrower and is also beneficial to the borrower's financial management.

Second, the advantages of deferred debt service policy

1. Relieve the borrower's financial pressure: The policy of postponing repayment of principal and interest can alleviate the borrower's financial pressure, and the borrower can pay interest on schedule and repay the principal in one lump sum when due, thus alleviating the borrower's financial pressure.

2. Improve the borrower's financial ability: the policy of deferred repayment of principal and interest can improve the borrower's financial ability, and the borrower can pay interest on schedule and repay the principal in one lump sum at maturity, which is beneficial to the borrower's financial management.

3. Reduce the loan cost: The policy of postponing the repayment of principal and interest can reduce the loan cost, and the borrower can pay interest on schedule and repay the principal in one lump sum at maturity, which can reduce the loan cost.

Third, implement the policy of postponing the repayment of principal and interest.

1. The implementation of the deferred debt service policy requires the borrower and the lending institution to sign a loan contract and stipulate the loan term, interest rate and repayment method.

2. The borrower needs to pay interest on schedule according to the agreed interest rate and time limit, and repay the principal in one lump sum at maturity.

3. Lending institutions need to pay interest on schedule according to the agreed interest rate and term, and repay the principal in one lump sum at maturity.

Fourth, the risk of deferred debt service policy.

1. Borrower's default risk: There is a borrower's default risk in the deferred debt service policy, and the borrower may not be able to pay the interest on schedule and repay the principal in one lump sum at maturity, resulting in losses to the lending institution.

2. Interest rate risk: Interest rate risk exists in the deferred debt repayment policy. If the interest rate changes, it may affect the interests of borrowers and lending institutions.

3. Exchange rate risk: there is exchange rate risk in the deferred debt service policy. If the exchange rate changes, it may affect the interests of borrowers and lending institutions.

The application of verb (verb's abbreviation) deferred debt service policy

The deferred debt repayment policy is widely used in the financial field, such as bank loans, bond issuance, corporate loans and so on. , can be used. In addition, the policy of postponing the repayment of principal and interest can also be used for investors' investment, and investors can collect interest on schedule and recover the principal at one time when it expires, thus obtaining investment income.

A summary of the policy of deferring debt service with intransitive verbs

The policy of deferred repayment of principal and interest is a common repayment method, which can reduce the financial pressure of borrowers, improve their financial management ability and reduce the loan cost. It is widely used in the financial field, but there are also risks such as default risk, interest rate risk and exchange rate risk. Therefore, borrowers and lending institutions should carefully consider when adopting the policy of delaying the repayment of principal and interest, so as to avoid unnecessary losses.