In recent days, there have been many discussions about the feasibility of reimbursing loan No. 15 to No. 20. This topic has attracted extensive attention and has elicited responses and comments from many interested parties. This paper will analyse the issue from a number of perspectives, depending on the actual situation。

Repayment of 15 to 20

First, for many, the repayment of loan No. 15 may indeed be too tight. Wages are paid at different times and the cost of living varies, and these problems can lead to difficulties and pressures in repayment. Therefore, changing the repayment date to 20 would appear to have brought some relief to borrowers. This will undoubtedly enable an increasing number of people to repay their loans in a timely manner, avoiding unnecessary interest arrears and fines. For banks, it is also possible to ensure more stable repayments by borrowers, reduce the risk of non-performing loans and enhance bank creditworthiness。

Second, at the national level, a change in the repayment date may have an impact on the entire banking system. Since loans are a major business of banks, changes in the repayment date may affect the allocation of subsequent interest on the repayment date, as well as the balance of the State ' s fiscal balance. Thus, lending institutions, such as banks, need to balance their pros and cons and, to the extent possible, prepare for, inter alia, accounting and budget adjustments, so as to ensure that any decision-making can benefit from past experience without adversely affecting the functioning of the national economy。

Finally, what we need to consider is whether there is a substantive problem of changing the repayment date to 20. While there is much support for doing so, more are concerned about whether it will lead to greater financial pressure in the future. That is to say, whether repayments can be made on time and in accordance with the new provisions. If most borrowers were able to repay their loans on time, it would seem logical to change the repayment date. But if most borrowers fail to pay on time, then this policy change may become a dead letter。