In order to reduce the losses caused by customers' default risk, commercial banks adjust, rearrange and reorganize the original loan structure (term, amount, interest rate, fees, guarantees, etc.). ). Loan restructuring should pay attention to the following aspects:

Whether (1) belongs to a reconfigurable object or product.

(2) why to enter the reorganization process.

(3) Whether it is worthwhile to restructure, and which is greater, the cost of restructuring or the loss that can be reduced after restructuring.

(4) Collateral, pledge or guarantor should generally be reassessed.

The process of loan restructuring:

First, cost-benefit analysis.

Second, prepare a restructuring plan.

Third, negotiate with the debtor to reach a consensus on the measures, conditions, requirements and implementation period of loan restructuring.