Is it true that a foreign phone call told me to go to the public security bureau to make a statement immediately after a financial delay of one year?

The "general principles of loans" have corresponding provisions:

Article 32 The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection.

Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

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Laws and regulations related to the general principles of loans:

Article 27? For an enterprise with loan conditions, the lender shall reasonably determine the loan term according to the production and operation cycle of the enterprise's products, and provide loan support for the reasonable capital demand in the whole production and sales process of its products in accordance with the principle of determining loans by sales.

The credit system has been relatively perfect. In these countries, personal consumption credit accounts for about 30% of the total bank loans, and its return is much higher than that of corporate credit, so the recovery cycle is greatly shortened and the risk is smaller.

Article 28? If the sales amount of the enterprise does not enter the special account, misappropriate the closed loan or evade the bank debt, the lender has the right to stop issuing the loan and deduct the original loan; For loans that cannot be repaid, they have the right to ask the guarantee unit to assume the guarantee responsibility.

Baidu encyclopedia-general rules for loans