Legal analysis: if the loan is frozen and the loan has not been released, the customer naturally does not have to repay. After all, customers have never used loan funds, so naturally they don't need to bear the repayment responsibility. If the loan is frozen during use and the customer has used part of the loan funds before, then the customer needs to pay off the used funds on time according to the regulations.

Legal basis: Article 23 of the Interim Implementation Measures for Asset-Liability Ratio Management of the People's Construction Bank of China adopts a "two-line management" method according to the division of labor and cooperation between the Capital Planning Department of the Head Office and various business departments, that is, the Capital Planning Department of the Head Office issues and evaluates the monitoring indicators for asset-liability ratio management to branches in a unified way, and at the same time, under the centralized management of the business departments of the Head Office, the relevant indicators are decomposed into business departments of the Head Office according to their business scope, and then the business departments of the Head Office reach the provincial branches to be responsible for the details of these indicators.