借新还旧作为商业银行在贷款的发放和收回过程中经常采用的操作方式，是指贷款到期(含展期后到期)后不能按时收回，又重新发放贷款用于归还部分或全部原贷款的行为。
当房地产价格下跌或流动性紧张时，一些经济体可能会陷入“借新还旧”的恶行循环。
Some of them might fall into a vicious cycle of borrowing to return debts when property prices drop or liquidity 2 dries up, it said.
但在实际操作中，“借新还旧”有被滥用之势，给农村信用社带来了风险，应当加以防范和控制。
However, in actual operation, "through the old" abuse of power, to bring the risk of rural credit cooperatives should be to prevent and control.
市场利率下降时，则可以借新还旧，继续保持较低的贷款利率，从而很好地满足了规避利率风险的要求。
Market interest rates, can also take advantage of the new old, continue to maintain low loan interest rates, thereby properly met circumvent interest rate risk.
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