笔者认为界定逃废银行债务行为的标准如下：１、有偿还本息能力，故意拖欠按照合约应当归还的贷款本息；２、违反国家法律、行政法规和政策规定的范围和标准，在清偿债务前，将企业财产用于职工安置及支付其他费用（原欠职工工资和社会保险费除外）的；３、故意提供虚假或权属? In my opinion, the criteria for defining the debt-debts behavior of evasion banks are as follows: 1. The principal and interest of repaying principal and interest that are intended to be owed due to the repayment of principal and interest; 2. In violation of the scope and standards prescribed by the laws, administrative regulations and policies of the State, The enterprise assets for the placement of workers and pay other expenses (formerly owed workers wages and social insurance costs); 3, deliberately provide false or tenure?