Government-owned banks have struggled to effectively help struggling large companies restructure. They often delay the process and provide too much support, leading to passive asset sales and labor restructuring. To improve, these banks should sell struggling companies to independent firms, reduce excessive financial support, and focus on supporting small businesses. Large companies with many creditors may face challenges in reaching agreements for restructuring. Small businesses with simpler creditor structures may benefit more from government-owned bank support. The main goal is to make corporate restructuring more efficient and support small businesses in need.