The common main reasons are:

1. Subjective intentionality: first, malicious fraud; second, refusal to pay without informing due to quality of goods and other reasons; third, due to shortage of funds Delayed payment; fourth, temporary non-payment due to internal disagreements and other reasons; fourth, refusal to pay without reason;

2. Objective neglect: first, due to delays, mistakes, forgetfulness and other reasons by the handling personnel; second, Errors by the handling personnel (wrong address, etc.); third, bank errors (errors in filling out and issuing checks, etc.); fourth, conceptual failure to repay in time (some companies habitually wait until maturity to repay, which is bad credit), The fifth is unexpected events (natural and man-made disasters)