Generally speaking, corporate loans are not liable. General loans are borne by the company's property, but not by the legal person. The company has an independent personality. If the legal representative is a natural person, he will not bear the debts of the company. However, the changed legal person must bear the debts of the original company. If an enterprise commits illegal acts such as making false capital contributions, withdrawing capital contributions or transferring assets, the shareholders or legal representatives of the enterprise may have to bear corresponding responsibilities. In addition, we should also pay attention to whether the bank requires the legal representative of the enterprise and the shareholders to provide personal guarantees respectively when lending. If the lender provides personal guarantees, it is also responsible.

Specific analysis:

1. If there is no false capital contribution or withdrawal of capital contribution by shareholders, shareholders do not need to bear direct responsibility for the debts of the company. The legal representative is generally not responsible for the debts of the company.

2. If the company is unable to repay the loan, the directors who are directly responsible for the company's losses shall be liable for compensation. The legal person can be changed during the operation period, but the procedures prescribed by law need to be fulfilled. The legal representative who is personally responsible for the bankruptcy of the company shall not be the legal representative of the newly established company within a certain period of time. There is no need to bear civil liability.

The legal representative of the company signed a contract on behalf of the company and promised to perform certain obligations, which should be borne by his company, not by individuals.

Legal basis: company law

Article 13 The legal representative of a company shall be the chairman, executive director or manager in accordance with the articles of association, and shall be registered according to law.

Article 20. Shareholders of a company who abuse the independent status of a company as a legal person and the limited liability of shareholders to evade debts and seriously damage the interests of creditors of the company shall be jointly and severally liable for the debts of the company.

Article 63 If the shareholders of a one-person limited liability company cannot prove that the company's property is independent of the shareholders' own property, they shall be jointly and severally liable for the company's debts.

Article 3 A company is an enterprise legal person, which has independent legal person property and enjoys legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.

Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Independent Letter of Guarantee Disputes Article 3 If the people's court has agreed on special liability for breach of contract, or the agreed scope of guarantee liability exceeds the debtor's liability, and the guarantor claims to bear the liability only within the debtor's liability, it shall support the parties to bear the guarantee liability.

If the guarantor's liability exceeds the debtor's liability, and the guarantor claims compensation from the debtor, the people's court shall support it if the debtor claims to be liable only within its liability; If the guarantor requests the creditor to return the excess, the people's court shall support it according to law.

civil law

Article 60 A legal person shall bear civil liability independently with all its property.

Article 61 The legal consequences of a legal representative's civil activities in the name of a legal person shall be borne by the legal person.

Article 62 If a representative causes damage to others in performing his duties, the legal person shall bear civil liability. After a legal person bears civil liability, it may claim compensation from the legal representative at fault in accordance with the law or the articles of association of the legal person.