The irrecoverable debt makes capital of NH were losses, meanwhile, banks still have to pay interest for capital works, make profit result. If insufficient profits, the banks have to use its own capital to offset losses. This can make the scale of credit NH shrink makes access to capital expands business operations or consumption of restricted clients, making an increase of the economy slowedThe high rate of overdue debts makes the credibility, confidence in the Bank's financial declined, leading to reduce the ability of the Bank's financing, the more serious it may lead to liquidity risk, pushing banks to the brink of bankruptcy. When there is a bank in difficulty leading to bankruptcy, then the easy line effects occur in the entire banking system, caused a crisis for the entire economy, the negative influence to the social life and the development of the country
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