Loan property: 1. The loan bank issues loans within the collection period according to the loan contract guarantee contract (mortgage or pledge contract). The lending bank will take measures such as property preservation to the court, including freezing the deposits in the bank account of the loan guarantee office, sealing up the pledged property, and enforcing other judgments (deducting the deposit auction to pledge, etc.). ). The loan losses of the property settlement bank specifically include: loan principal, overdue interest, penalty interest, expenses related to the disposal of mortgaged (pledged) goods, and reduction of litigation costs. 2. Companies affected by credit borrow from your bank-wide credit information system, and the bank-wide credit information system records overdue loans. Lenders can erase records, and now all banks lend. 3. Malicious arrears of bank loans, the ability to pay loan interest, it is recommended to apply to the loan bank for loan extension first, indicating that you are willing to temporarily lend and help the bank as planned.