What should Chihiro do in loans overdue for one year?

If the borrower has been in Chihiro loans overdue for one year, the following steps shall be taken:

1. Understand the overdue situation: first, confirm that the borrower is indeed overdue for one year. Understand the specific reasons for overdue and the borrower's willingness to repay, so as to clarify the root of the problem.

2. Contact the borrower: get in touch with the borrower to find out its current economic situation and repayment ability. You can communicate with the borrower by telephone, SMS, email, etc. And strive to win the opportunity for borrowers to start repaying loans again.

3. Negotiate with the borrower: negotiate according to the borrower's situation and make a repayment plan. We can consider extending the repayment period, reducing the repayment amount per installment, adjusting interest rates and other measures to reduce the burden on borrowers. The negotiation results need to comply with the legal provisions and Chihiro loan policy.

4. Debt recourse: If the borrower refuses to pay or is unable to pay the debt, Chihiro Loan can take recourse measures, including contacting dunning, entrusting a third party to recover the debt or taking legal measures to recover the debt.

It should be noted that the above is the general handling method, and the specific operation should be carried out according to the policy and actual situation of Chihiro loan. In addition, overdue for one year is a serious situation, and measures need to be taken in time to avoid further expansion of the problem. If you encounter specific overdue problems, I suggest you consult Chihiro Loan in time and seek professional legal and financial advice.