> For the complete documentation index, see [llms.txt](https://docs.bsc.lista.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bsc.lista.org/zh-cn/kai-fa-zhe-zhuan-yong/credit-loans/bad-debt-handling.md).

# 坏账处理

违约是在链上识别的，而不是按面值处理的，因此损失落在注销时持有金库股份的人身上。

注销是**由 Lista 驱动的，而不是由您驱动的**。一个 `BOT` 调用 `CreditBroker.liquidate(borrower, posId)`，这会调用 `Moolah.liquidateBrokerPosition` —— 而这又需要 `msg.sender == brokers[id]`，因此无法从第三方账户访问。(`CreditBroker` 还携带一个 `liquidate(Id, address)` 重载，总是返回 `not supported`；它仅存在以满足接口要求)。该调用在同一交易中减少了市场的未偿还借款和金库的总资产，因此股价立即按比例下降。

这对存款人的意义是：

* 没有保险分层和首损吸收者——当前股东承担全部损失。
* 这种风险的补偿是，表现良好的贷款支付良好：在预付利息条款中，无论借款人多早还款，他们都欠下**整个期限**的利息，而逾期头寸则需支付额外罚款。

由于您无法触发它，集成问题是如何**检测**它：监控经纪人的清算事件——请参阅 [Loan Lifecycle](/zh-cn/kai-fa-zhe-zhuan-yong/credit-loans/loan-lifecycle.md) 了解事件集。


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.

Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:

```
GET https://docs.bsc.lista.org/zh-cn/kai-fa-zhe-zhuan-yong/credit-loans/bad-debt-handling.md?ask=<question>&goal=<user_goal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.