Loan write-off is the abbreviation of "write-off of non-performing loans", which refers to a system in which banks write off non-performing loans or loan losses according to regulations. According to the relevant provisions of the Interim Provisions of the Ministry of Finance on the Establishment of Non-performing Loan Reserves for National Specialized Banks: if the amount of each non-performing loan is less than 50,000 yuan, it shall be examined and approved by the local bank in conjunction with the central financial institution at the same level; Non-performing loans of more than 50,000 yuan and less than 654.38+10,000 yuan shall be examined and approved by provincial banks in conjunction with central financial institutions at the same level; Each non-performing loan of more than 654.38+10,000 yuan shall be examined and approved by the head office of specialized banks according to the opinions of lower-level banks and provincial central financial institutions, and reported to the Ministry of Finance for the record. In the specific implementation, the amount of approval has been adjusted. Banks and central financial institutions should strictly implement the relevant provisions of the state on loan write-off in the process of loan write-off, and must not approve beyond their authority or violate the relevant provisions, and offenders will be held accountable.

Not all non-performing loans can be written off, but certain conditions must be met. The central government has strict legal procedures for loan write-offs. It must be determined through various efforts that possible non-performing loans have not been recovered or reduced and become non-performing loans.

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