1. When you applied for a loan, you chose the repayment method of long-term borrowing and short-term repayment, which allowed us to withdraw funds more quickly. The loan amount is relatively high, and the short-term repayment pressure is great.

2. Under the repayment mode of long-term borrowing and short-term repayment, you need to bear higher interest expenses.

3. Due to economic difficulties and other issues, long-term borrowing and short-term repayment will also increase your repayment pressure and overdue risk.