The retention period of the loan files with the loan principal and interest settled or the loan business executed is 3 years (counting from the year after the loan principal and interest settled or the loan business executed).

The expired loan files shall be appraised by an appraisal team composed of the General Management Department, the Risk Management Department and the loan business department, and suggestions for preservation and destruction shall be put forward. The loan files that need to be destroyed after identification shall be destroyed only with the approval of the deputy general manager in charge. Borrowing files that have expired but still have certain reference value should be kept for more than two years as appropriate, and can only be destroyed when there is no preservation value.