In the process of transformation in old socialist country in Eastern Europe in 1989, a large scale insolvent debenture emerges. Hungary, Poland and the Czech Republic which drove Eastern Europe’s economy, use insolvent loan to solve this insolvent debenture and these three countries also make the government bonds as money supply funding patterns. But Hungary and Poland use decentralized solution and leading banks to deal with the bad creditor. On the contrary, Czech has no special way of dealing with that, but let some certain bank mainly focusing on the bad creditor which is called centralized solution. Now, Korean government is using the similar method like Czech. In this point of view, in order avoid insolvent debenture becoming the burden of economy, Korea has to work out the same plan to deal with insolvent debenture with Poland.