Bank lending refers to the behavior that banks issue loans to borrowers and require borrowers to repay in advance before the repayment period agreed in the contract. If the bank thinks that there are problems in operation or the loan has been used in real estate, finance, bathing and other industries prohibited by the bank or the state, it should recover the loan in advance. At this time, once the enterprise has repaid the loan, it will be difficult to get another loan from the bank, and it is normal to get no loan or to have a lower proportion than before.
This behavior is that the bank thinks that the borrower has certain risks, which may lead to the loss of the bank's loan principal, so the bank should recover 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.
How to prevent loan withdrawal and loan break?
1. Reasonably control the debt ratio of corporate banks, evaluate the nature of corporate bank liabilities, reduce the amount of mortgage loans and increase the amount of credit loans.
2. Maintain credit relationships with multiple banks: each bank has different credit policies and needs to maintain credit relationships with multiple banks. Generally speaking, both large state-owned banks, national joint-stock banks and small banks should maintain good credit relations.
3. Pay attention to the change of your credit: in case of major events, such as a large number of lawsuits failing, you need to contact the loan bank in time and don't hide it.
4. Contact the loan renewal in advance: one month before the loan expires, you need to contact the loan bank to renew the loan, so as not to stop the loan too late.