You as, the debtors or customers in this case are outsiders. There are many factors of bad credit. The business you run is unstable or there may be a deliberate factor in the payment of bills that is not timely. In addition to the debtor's business failure or intentional factors of the debtor as mentioned above, declining economic activity and high lending rates also affect the stability of the bank. It is possible that certain debtors do not carefully consider the possibility of repaying loans regularly and on time.