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.

First, will defaulting on bank loans bear criminal responsibility?

Arrears bear civil liability, not criminal law, so they will not bear criminal responsibility.

But if it is the following:

1. Those who have the ability to refuse to return it may be investigated for criminal responsibility.

2. Unless there is evidence, the lender forged various documents from the beginning to defraud money from the bank and use it for personal profligacy, which constitutes a crime of fraud.

Second, the consequences of not repaying the loan.

1. The loan bank brings a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. At the same time, the bank will investigate the responsibility of the relevant credit personnel, and if there is fraud or dereliction of duty, it will draw the police to intervene.

Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.

3. If you are not in arrears with the bank loan in bad faith and have the ability to pay the interest on the normal loan, I suggest you apply to the loan bank for loan extension first, stating your willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Normally, the bank will help you.

If you apply for a loan in the future, all banks will check the personal credit report of netizens before issuing loans. If you have a bad credit record, it is difficult or even impossible to apply for any loans or credit cards. After marriage, the spouse of the netizen will be affected when handling the loan. In addition, the bank will collect overdue borrowers. If the collection fails, the bank will bring a lawsuit to the court, and the court will repay the overdue customers. If there is no cash repayment, the mortgage can be disposed of by auction according to law, and the netizen's house can be disposed of by auction or other legal means, and the proceeds will be used to repay the bank loan.