Why don't banks want to promote non-repayment of loans?

The president of a branch of a local city commercial bank in Shandong Province expressed surprise at the CCTV news broadcast that Dezhou had not repaid its loan.

"Last year, our bank started the business of' not repaying loans', but like most banks doing this business, we didn't publicize it, because this policy may make some enterprises break their promises and publicly refuse to repay. If the enterprise does operate well and has difficulties in repayment, we will allow it to' renew the loan and not repay it', but we will not tell the enterprise that it is' renew the loan and not repay it', but tell the enterprise that it is' borrow the new and repay the old'. " The president of the branch said that his bank asked not to announce this measure.

Why is this happening? Some insiders said that there is no limit to the number of times the loan is not repaid, which is easy for enterprises to rely on, and there is a risk of not repaying the loan during implementation.

The president of a branch of a joint-stock bank in Shandong said: "For enterprises that have temporary difficulties in repaying debts, our bank has two measures. The first is that they can repay the old loan, and the second is that they can not repay the debt and postpone it once, but they must go through strict examination and approval. "

It is understood that Hebei Banking Regulatory Bureau's policy on non-repayment of loans is to determine the renewal criteria according to the loan quality classification: actively support loans with the original loan quality classification belonging to the first two files of the normal category, and prudently accept loans with the original loan quality classification belonging to the last file of the normal category (inferior file), and it is strictly forbidden to classify the original loan quality into loans of concern and non-performing loans.

It is understood that the policy of non-repayment of principal and renewal of loans was introduced in 20 14. 2065438+On July 23, 2004, the former China Banking Regulatory Commission issued the Notice on Improving and Innovating the Loan Service for Small and Micro Enterprises to Enhance the Financial Service Level of Small and Micro Enterprises (hereinafter referred to as Circular No.36), stating that only small and micro enterprises that meet the following four conditions can apply for loan renewal: First, they can operate in compliance with laws and regulations; Second, the production and operation are normal, with sustainable operation ability and good financial status; Third, the credit status is good, the repayment ability and willingness are strong, and there are no bad behaviors such as misappropriating loan funds and owing loan principal and interest; Fourth, the original revolving loan of working capital is normal, which meets the conditions and standards for the new revolving loan of working capital.