I think banks should not only stop lending now, but also call back loans. The huge 70 billion debt was not created in a day. If Pangda had been able to repay it at the beginning, it would have been repaid long ago. As the debt has grown larger and larger, Pangda has almost lost the ability to repay. If the bank does not collect the loan now, when the insolvent Pangda goes bankrupt later, the bank itself will suffer losses...