Usually, the borrower has reached the implementation stage and the loan can be restructured. However, whether it can be restructured in practice depends on many factors, such as the financial situation of customers, the court's decision, the bank's attitude towards restructuring and so on.

In some cases, banks may consider restructuring to avoid longer litigation and waste of resources. But this may require the borrower to provide a guarantee, and the bank may charge a high penalty interest rate for the restructured loan interest rate.