I suggest you try to repay the loan. If you can't repay the loan at present, you can communicate with the bank to apply for an extension or extension, reduce the monthly repayment amount, reduce the pressure of life, and then work hard to do more, increase revenue and reduce expenditure, and get rid of the trouble as soon as possible. If you insist on not paying back, first of all, your overdue behavior will definitely be recorded in your personal credit report, which will have a negative impact on your future loans. At the same time, the bank will call you for collection, which will affect your normal life. If the bank still refuses to repay after repeated collection and warning, it can resort to law, and in serious cases, it can be sentenced.
Second, what should I do if the company is not well managed and can't afford the bank loan?
Whether the company's loan is still outstanding and whether the shareholders are jointly and severally liable for repayment can be divided into the following three situations:
1. The shareholders are not required to bear the repayment responsibility.
First of all, it depends on the nature of the enterprise. If the enterprise is a limited liability company or a joint stock limited company, the shareholders shall bear limited liability with their share of capital contribution. If the shareholders have fully contributed their capital in accordance with the shareholders' agreement, they do not need to bear the responsibility, that is to say, the insolvent shareholders of the company have no obligation to pay off the operating losses. If the shareholder fails to pay the proportion of capital contribution in full before, he/she needs to make up the capital contribution according to the regulations, and he/she is not required to bear the debt liability after making up.
The second is the situation where shareholders are required to bear the responsibility for repayment.
If the enterprise is a partnership, then the shareholders need to bear the repayment responsibility. According to Article 2 of the Partnership Enterprise Law, a general partnership enterprise is composed of general partners, and the partners are jointly and severally liable for the debts of the partnership enterprise, that is, no matter what your contribution ratio is, once the debts of the enterprise cannot be paid off, the partners and shareholders will bear unlimited liability for compensation. The unlimited repayment liability mentioned here means that if the assets of the enterprise are insufficient to repay the debts of the enterprise, it will be added to the personal assets of shareholders to pay off the debts of the enterprise.
Third, the guarantee needs to bear the repayment responsibility.
Sometimes, although the loan is made in the name of an enterprise, the lending institution will add a legal person or shareholder as a guarantor. If a shareholder makes a guarantee in the process of enterprise loan, he must bear the guarantee responsibility. If the enterprise can't repay the loan normally, the shareholders who make the guarantee must bear the repayment responsibility.
Tips: The above contents are for reference only.
Reply time: 202 1- 10-08. Please refer to the latest business changes announced by Ping An Bank in official website.
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What about the loan in the bank if the company goes bankrupt due to poor management?
You must pay back what you have to do. If you are sure you can't, they will sue you, and the highest level will sue you, so you will be sentenced and bear criminal responsibility.