Write-off of bank arrears refers to a kind of write-off on the bank's internal books, that is, writing off this account will have an impact on the bank's statements and asset quality.

But overall, it has no impact on customers. They write off the accounts internally, and the debts that should be recovered externally must be recovered normally. Special collection personnel must inform various channels, including legal channels, to recover debts owed to banks.

Extended data:

Confirmation method of debt write-off:

The bad debt loss of an enterprise shall be confirmed according to the following methods according to different situations:

(1) If the debtor is declared bankrupt or revoked according to law, the accounts receivable that cannot be recovered after deducting the part of the debtor's liquidation property after obtaining the bankruptcy declaration, industrial and commercial cancellation registration certificate or revocation of license or documents ordered by government departments to close down shall be regarded as bad debt losses;

(2) Due to the debtor's death or being declared missing or dead according to law, accounts receivable with insufficient property or inheritance and no heirs shall be treated as bad debt losses after obtaining relevant legal documents;

(3) The receivables involved in litigation are lost by the effective judgment or ruling of the people's court, or the execution is terminated due to unenforceability despite winning the case, which is regarded as bad debt loss;

(4) For accounts receivable overdue for three years, there is a negotiation record of the enterprise's collection according to law, and it can be confirmed that there is no business contact within three years, the balance after deducting all kinds of funds payable to the debtor and compensating the relevant responsible personnel shall be regarded as bad debt loss.

Baidu Encyclopedia-Bad Debt Write-off