1, other names
Deferred loan.
2. Definition
Deferred loan: on the maturity date of the loan, all mortgage procedures will be fulfilled again, and a new loan slip will be filled in, which will be sealed and signed by both parties, and the accounts will be handled by the accountant, with one party as an annex to the original loan contract to extend the original loan term.
Rollover loan: It is roughly the same as rollover loan. The only difference is the deferred loan, which is 1 month shorter than the previous loan.
3. Treatment method
It refers to the operation process that banks can automatically renew or extend the loan amount to qualified small and micro enterprise customers without repayment according to the behavior score results of historical data before the loan expires.
Legal basis: Article 3 of the Interim Regulations on the Administration of Banks in People's Republic of China (PRC), central banks, specialized banks and other financial institutions shall conscientiously implement the state's financial policies; Its financial business activities should aim at developing economy, stabilizing currency and improving social and economic benefits.