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... you can first pay off the loan from the Postal Savings Bank.”

 Xu Xing nodded and said again.

The reason why many places have higher and higher debts is because they did not repay the money immediately after they got the money. The long-term accumulation makes the debts more and more difficult to resolve, and eventually they have to downsize and lay off employees.

certainly,

An even more important point is that the total credit granted by the Postal Savings Bank ...

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Author Note: Tags and content warnings are mainly to give me creative freedom later on. This is my first novel ever, and English isn’t my native language, so go easy on me chaps.