Show your willingness and difficulty of repayment, put forward your repayment plan and see if the bank can accept it. Both sides need to reach an agreement through consultation. Generally speaking, although the longest negotiation can be divided into 60 periods, the application is difficult and users need to communicate repeatedly, but in any case, both parties must agree to the new plan in the end.
Provide relevant information as required by the bank, such as poverty certificate, debt certificate, etc. , and then wait for the bank's evaluation and audit.
If the bank directly refuses the user's negotiation request, it can be resolved through complaints and legal channels. For example, it is also helpful to complain to the CBRC or the head office and bring a lawsuit to the court.
After the new repayment plan is formulated, users can repay the loan according to the latest amount, and be careful not to overdue it, otherwise the follow-up negotiation will be basically unsuccessful and the negative impact will be very great.
1. industrial bank co., ltd (hereinafter referred to as "industrial bank") was established in August 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. It was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166), and its head office is located in Fuzhou.
2. Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service, accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% compared with the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.6 1% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 4,765.438+0.08 billion yuan, a year-on-year increase of 65,438+0.4365.438+0%; The weighted average return on equity remains at a high level of 2 1. 19%; Branches of 108 and 1435 have been established in major cities in China; It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, forming a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.
3. As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated legally, steadily and in a civilized way, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.
4.202 1 August, Fortune Global 500 released: ranking 196.