the recovery and disposal of loans is directly related to the realization of the expected income of commercial banks and the safety of credit funds. According to the relevant public information, the main contents of loan recovery and disposal include that banking financial institutions should prompt borrowers to repay the principal and interest in advance when the loan expires. If the loan needs to be extended, the lender should carefully evaluate the rationality and feasibility of the extension, scientifically determine the extension period, and strengthen post-extension management. If the borrower fails to repay the loan on schedule due to temporary operational difficulties, the lender may negotiate with the borrower for loan restructuring. For non-performing loans, the lender shall write off or preserve them in accordance with relevant regulations and methods.