First, strengthen the supervision in advance before the loan expires and the interest is settled, and determine whether the repayment funds can be in place three days in advance. For those who can't secure funds, we should assign special personnel to look after them door by door, and those who are responsible should report to the Risk Management Department as soon as possible.

Second, resolutely put an end to the technical overdue caused by capital transfer, personnel negligence and system reasons.

Third, we should seriously deal with the temporary overdue caused by inadequate management and the borrower's repayment ability.

Fourth, those who fail to report the penalty interest at the first time will be included in the quarterly basic management assessment, and the loan impairment reserve will be increased subsequently.