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.
