This is a kind of collusion. Generally speaking, every YH has bad debts, and one proportion is, for example, 2% of the total amount of FK. As long as the bad debts are controlled within this range, if the bad debts of the bank are high and exceed 2% in that year, then YH will deal with the excess, that is, freeze the dormant account, pay back the expenses, and make a cancellation (equivalent to YH's annual performance meeting). It passed the third trial and the report looks good. . . It's good for you, it's equivalent to borrowing money and paying it back. For example, Party A owes a YH300W and needs to deal with bad debts this year. Party A can collude with YH to find a person who has no repayment ability and can write off bad debts as long as he can. This is B. As long as Party B is willing, after signing the contract, take YH300W debt and give Party B 100W benefits. Then Party A paid back 300W, and Party B paid back 300 W. Because it was assessed that the later department had repayment ability, YH needed internal accounting hedging to offset it, that is, it paid back the reserve fund itself. Therefore, in principle, Party B will also repay the loan to this department. That's basically it. Of course it's not that simple. This is actually very complicated.