Loan write-off is the abbreviation of "bad loan write-off", which refers to a system in which banks write off bad debt loans or loan losses in accordance with regulations. According to the relevant provisions of the Ministry of Finance's "Interim Provisions on the Establishment of Bad Debt Provisions for National Specialized Banks": Bad debt loans with an amount of less than 50,000 yuan each shall be approved by local banks in conjunction with the central financial institutions at the same level; bad debt loans with an amount of RMB 50,000 each For loans of more than 10,000 yuan and less than 100,000 yuan, provincial banks shall review and approve them in conjunction with the central financial agencies at the same level; for bad debt loans of more than 100,000 yuan each, the head offices of each specialized bank shall review and approve them based on the opinions of the lower-level banks and the provincial central financial agencies. Review and approve, report to the Ministry of Finance for record. In the specific implementation, the approval amount has been adjusted. All banks and central financial institutions must strictly implement the relevant national loan write-off regulations during the loan write-off review and approval process, and shall not exceed their authority or violate relevant regulations for review and approval. Violators will be held accountable accordingly.

Response time: 2020-09-29. For the latest business changes, please refer to the official website of Ping An Bank.

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