The possibility that the loan will be refused by summons.

Legal analysis: (1)1China citizen aged 8-60;

(2) The loan term is not more than 3 years, and the payment reminder has been successfully released;

(3) The personal credit rating has reached Grade A or above of China Industrial and Commercial Bank.

In addition, if one of the following conditions is met, ICBC defines it as a specific credit customer:

(1) Senior managers and senior professional technicians of ICBC's high-quality corporate customers;

(two) personal assets of more than 2 million yuan (inclusive);

Legal basis: Notice of the People's Bank of China on Further Defining the Relevant Matters of RMB Overseas Lending Business of Domestic Enterprises.

1. The term "offshore lending in RMB" as mentioned in this Notice refers to the behavior that domestic enterprises (hereinafter referred to as lenders) lend RMB funds to overseas enterprises (hereinafter referred to as borrowers) through settlement banks (hereinafter referred to as handling banks), or entrust loans through enterprise group finance companies, and lend RMB funds to overseas enterprises through settlement banks.

Domestic enterprises mentioned in this Notice refer to non-financial enterprises registered in People's Republic of China (PRC) (excluding Hongkong, Macau and Taiwan Province Province).

2. The handling bank shall require the lender to register with the local foreign exchange administration department before handling the overseas loan business of RMB, and handle the business for the enterprise within the upper limit of the overseas loan balance.

Three. Lenders should be registered for more than 1 year and have equity relationship with borrowers.

4. The handling bank shall strictly examine whether the business scale of overseas borrowers is compatible with the loan scale and the actual use of overseas borrowing funds to ensure the authenticity and rationality of overseas borrowing purposes.

Verb (abbreviation of verb) implements macro-prudential management of the integration of local and foreign currencies in RMB overseas lending business of domestic enterprises.

Upper limit of enterprise's overseas loan balance = prudent adjustment coefficient of the latest audited owner's equity view.

Balance of overseas loans of enterprises = balance of overseas loans+prepayment amount (1+ days of prepayment/days agreed in the contract)+balance of foreign currency overseas loans × currency conversion coefficient.

Clear the prepayment amount every five years.

Among them, the macro-prudential adjustment coefficient is 0.3; The currency conversion coefficient is 0, and the People's Bank of China dynamically adjusts the macro-prudential adjustment coefficient and currency conversion coefficient according to the macroeconomic situation and cross-border capital flows. The handling bank and the lender should control the amount to ensure that the loan balance does not exceed its upper limit at any time.

For short-term frequent overseas lending business, the handling bank shall require the lender to provide relevant information, and once it finds any violation, it will immediately stop handling new overseas lending business. For lenders whose current overseas lending balance has exceeded the upper limit of the balance after policy adjustment, the handling bank shall suspend overseas lending business for them.

An intransitive verb lender shall not use personal funds to lend money to the borrower abroad, nor shall it use its own debt financing to provide a source of funds for overseas lending.

Seven, the lender's interest rate to lend money abroad should be in line with commercial principles, and be determined through consultation within a reasonable range, but it must be greater than zero. In principle, the loan term should be within 6 months to 5 years, and if it exceeds 5 years (including 5 years), it should be reported to the local people's bank branch for the record.

Eight, the handling bank shall remind the lender to recover the loan funds in time. If the borrower fails to repay the loan within the time limit, and the lender refuses to explain or explain unreasonably, the handling bank shall suspend its new overseas loan business and submit the relevant information to the local people's bank branch in a timely manner. Overseas loans can be extended, but the same overseas RMB loan cannot be extended more than once in principle.

Nine. The Lender shall apply for opening a special deposit account in RMB in accordance with the Measures for the Administration of RMB Bank Settlement Accounts (Order No.5 [2003] of the People's Bank of China) and other regulations on the administration of bank settlement accounts, which is specially used for handling RMB overseas lending business. At the same time, RMB overseas loans must be recovered in RMB through the special RMB deposit account for loans, and the return amount shall not exceed the sum of the loan amount and reasonable income such as interest, domestic income tax and related expenses.

X. The handling bank shall review the authenticity and compliance of RMB overseas lending business, and earnestly fulfill its anti-money laundering and anti-terrorist financing obligations.