For enterprises, the following points should be paid attention to in the handling of white bars:

First of all, enterprises should review customers' credit records to ensure their repayment ability.

Secondly, enterprises should establish a sound risk control system, supervise the use of IOUs and guard against risks.

At the same time, enterprises should also set reasonable interest and overdue fees to ensure their own profits and the rights and interests of customers.

IOUs are short-term credit forms, which are generally distributed to customers through banks and third-party payment platforms to support their consumption.

Of course, in practice, enterprises need to adjust and optimize according to their own situation and market environment. For example, preferential policies can be introduced to improve service quality to attract more customers, while reducing the non-performing rate and ensuring the steady development of IOUs business.

I hope my answer is helpful to you!