(2) The borrower has completely stopped its business activities and there is no hope of returning to work, or there is no market for its products, and it is seriously insolvent and on the verge of bankruptcy. Rural credit cooperatives shall pay off their property according to law and recover the loans that their guarantors failed to recover;
(3) If the borrower dies or is declared missing according to the General Principles of Civil Law of People's Republic of China (PRC), the rural credit cooperative shall pay off his property or legacy according to law and recover the loan that the guarantor failed to recover;
(4) Loans that the borrower has suffered from major natural disasters or accidents, suffered huge losses and cannot obtain insurance compensation, and is really unable to repay; Or part of the loans that can't be repaid after the insurance compensation is paid off, and the loans that can't be recovered after the rural credit cooperatives pay off the property or recover the guarantor according to law.
(five) the borrower was sentenced to punishment according to law for violating the criminal law, and his property was not enough to repay the borrowed debts, and there were no other debtors, which could not be recovered by the rural credit cooperatives after recovery according to law;
(6) If the borrower and his guarantor cannot repay the debts due, the rural credit cooperatives resort to the law. After the court enforces the borrower and guarantor, the borrower and guarantor have no property to execute, and the rural credit cooperatives are still unable to recover the loan after the court decides to terminate the execution;
(7) Due to the above reasons (1)-(6), the borrower can't repay the debts due, and the rural credit cooperatives can't recover the legally acquired debt-paying assets. The debt-paying assets are less than the difference between the loan principal and interest after deducting the fees according to the fair market value confirmed by the assessment;
(8) When an advance payment occurs in opening a letter of credit, handling an acceptance bill, opening a letter of guarantee, etc. If the applicant of the letter of credit and the guarantor are unable to repay the advance payment due to the above (1)(6), the rural credit cooperatives are still unable to recover the advance payment after recovery;
(9) The bank card is forged or fraudulently used. The net loss that should be borne by rural credit cooperatives due to fraud;
(10) loans that cannot be recovered after the rural credit cooperatives dispose of the mortgage (pledge) of student loans and pursue joint liability with the guarantor within the determined effective recourse period;
(1 1) Other receivables that are overdue for 3 years and cannot be recovered except the loan principal and interest receivable.