Bank loan refers to the behavior that banks issue loans to enterprises and recover the loans in advance before the repayment period stipulated in the agreement. The bank thinks that there are problems in the operation of the enterprise and should recover the loan in advance. Even if the enterprise repays the loan on time, it is difficult to borrow from the bank again, and it is likely that the loan will not be available or the loan will be very small.

This behavior of the bank is that the bank thinks that there are some risks in the loan, which may lead to the loss of the bank loan, so the bank should withdraw the loan to prevent the risk of forming non-performing loans. This is the behavior that banks are unwilling to take risks and put risk control first.

Bank loans have two meanings:

1, the bank's capital turnover can't be opened, and the central bank raised the deposit reserve ratio, resulting in the reduction of the bank's loanable funds and the inability to lend to the outside world.

2. It is the enterprise that lends money to the bank, and the relationship between the enterprise and the bank may get worse and worse, causing the bank to cut off the loan to the enterprise, that is, not to lend to the enterprise.

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