【中文版】

拒绝降级交易是指借款人不同意将贷款金额降低至低于合同规定的金额或利率。这种情况通常发生在借款人面临还款困难或财务压力时，他们可能无法按照原合同规定的金额或利率还款，因此希望通过降级交易来减轻还款压力。但是，如果借款人拒绝降级交易，那么他们将需要采取其他措施来解决问题。

首先，如果借款人不同意降级交易，他们可以尝试与贷款方协商延期还款或制定还款计划。通过这种方式，借款人可以确保自己有足够的时间来偿还贷款，同时避免因无法偿还贷款而受到处罚或影响信用记录。

其次，如果协商不成，借款人还可以选择通过法律途径来解决争议。如果借款人认为自己有权按照合同规定还款，而贷款方要求降级交易是不合理的，他们可以向法院提起诉讼，要求保护自己的权益。

总之，拒绝降级交易并不意味着借款人可以逃避还款责任。相反，他们需要采取积极措施来解决问题并确保自己的信用记录不受影响。

【英文版】

Refusal to downgrade the transaction refers to the borrower's disagreement to reduce the loan amount to below the contract amount or interest rate. This usually occurs when the borrower faces repayment difficulties or financial stress and cannot repay the original contract amount or interest rate, so they hope to reduce the pressure through downgrade transactions. However, if the borrower refuses to downgrade the transaction, they will need to take other measures to solve the problem.

First, if the borrower disagrees with the downgrade transaction, they can try to negotiate with the lender for a delayed repayment or develop a repayment plan. In this way, the borrower can ensure that they have enough time to repay the loan while avoiding penalties or affecting their credit record due to non-repayment.

Secondly, if negotiation fails, the borrower can also choose to resolve the dispute through legal means. If the borrower believes that they are entitled to repay according to the contract, but the lender's request for a downgrade transaction is unreasonable, they can file a lawsuit in court to protect their rights.

In conclusion, refusing to downgrade the transaction does not mean that the borrower can evade repayment responsibilities. On the contrary, they need to take active measures to solve the problem and ensure that their credit record is not affected.