Try to negotiate and refuse to issue a certificate. Once a certificate is issued, your name will be included in the default list later. Therefore, in order to avoid and reduce financial, credit and legal risks, it is recommended:

1. Keep communication channels open with banks;

2. Avoid cashing out and borrowing money from each other;

3. Actively and continuously repay according to your own abilities.

4. If the bank continues to calculate the remaining interest amount based on the original overdue principal, you can refuse. You request that interest be calculated on the remaining principal.

5. If the bank sues, actively respond to the lawsuit and seek reconciliation.

Of course, if the other party maliciously collects money, they will be held accountable for their illegal and criminal acts. Legal debts should be repaid, but illegal demands can be rejected. The other party's illegal and criminal activities in the name of debt collection should be severely punished.

Shanghai Pudong Development Bank (referred to as: Pudong Development Bank or Shanghai Pudong Development Bank) was established with the approval of the People's Bank of China on August 28, 1992, opened on January 9, 1993, and was listed on the Shanghai Stock Exchange in 1999. A national joint-stock commercial bank successfully listed on the stock market (stock trading code: 600000), with its head office in Shanghai.

In 2018, Shanghai Pudong Development Bank ranked 70th among the "Top 2000 Global Companies" by Forbes in the United States; 25th among the "Top 1000 Global Banks" in The Banker in the United Kingdom; and ranked among the "World 500" in the U.S. "Fortune" Strong” No. 227. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that has received investment grade or above ratings from three major international rating agencies at the same time. In July 2019, the 2019 Fortune Global 500 was released: ranking 216th. On September 1, 2019, the 2019 China's Top 500 Service Enterprises list was released, with Shanghai Pudong Development Bank Co., Ltd. ranked 29th. In March 2020, it was selected as the 134th among the top 500 global brands in 2020.

The total assets of Shanghai Pudong Development Bank increased from 8.75 billion yuan when it was first established in 1993 to 6,091.759 billion yuan at the end of June 2018, an increase of 696 times; operating income increased from 337 million yuan in late 1993 when the bank was founded. It increased to 168.6 billion yuan at the end of 2017, an increase of 500 times; net profit increased from 130 million yuan in 1993 to 54.24 billion yuan in 2017, an increase of 416 times, with an average annual compound growth rate of nearly 30%.

In 2018, Shanghai Pudong Development Bank achieved operating income (group caliber) of 171.542 billion yuan, a year-on-year increase of 2.923 billion yuan, an increase of 1.73%; net profit attributable to shareholders of the parent company was 55.914 billion yuan, a year-on-year increase 1.656 billion yuan, an increase of 3.05%. As of the end of 2018, the total assets of Shanghai Pudong Development Bank Group were 6.289606 billion yuan, an increase of 152.366 billion yuan from the beginning of the year, an increase of 2.48%. The capital adequacy ratio is 13.67%, an increase of 1.65 percentage points from the beginning of the year. On June 26, 2019, 8 banks including Shanghai Pudong Development Bank were among the first to launch an online enterprise information verification system.