After applying for repayment by agreement, the rural commercial bank will audit the users, and agree on the repayment time and amount with the users through the audit, so as to reduce the repayment pressure of the users. If negotiation fails, overdue debts must be paid off as soon as possible.

Because different users have different credit qualifications, the negotiation results will be different, so users must be prepared for negotiation failure. In short, users can't repay the loans of rural commercial banks on time, so they must actively negotiate with banks to solve the problem, otherwise their personal credit information may be affected.