Loans will still bring trouble to children. Parents' loans will not be blacklisted for dishonesty. People on the blacklist of dishonesty will not only be restricted from car loans, mortgages and other loan activities, but also be restricted from their children's further studies, exams, housing loans and so on. For example, children of blacklisted untrustworthy people are not allowed to apply for exams or attend key schools; Their children will also be restricted in future mortgages; Children of untrustworthy personnel are not allowed to apply for national or provincial civil service examinations. Microfinance: First, the risk of loan review often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Second, the legal content of the pre-loan investigation (1) examines the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. (3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated. Third, the borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel. Including: (1) the chairman, general manager, factory director, manager and other key personnel gamble, take drugs, go whoring, keep mistresses, often go in and out of dance halls and saunas, excessively arrange weddings and funerals, buy luxury cars that are not commensurate with their economic strength, and often rent luxury hotels. Their corporate loans must be strictly controlled. (two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives. (3) If the legal representative holds a foreign passport or permanent residence in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time. (four) to investigate the legal representative of the enterprise before the loan. Loans to affiliated enterprises where one person concurrently serves as the legal representative of several enterprises must be strictly controlled. (5) When examining the loan, we must consider the borrower's qualifications, conditions, operating conditions, repayment ability and the quality of the main person in charge of the enterprise. The borrower's political status as a "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member" shall not be used as an excuse to lower the loan conditions or illegally issue and manage loans.

Second, the secured loan, if the loan is not repaid at maturity, will it affect the guarantor's children?

If you have property, you will be implicated.

3. If the guarantor is a parent, will the child bear the responsibility?

Children have no obligation to bear debts when they grow up!

Under the current legal system in China, there is no debt repayment between father and son, and there is no problem of collusion, unless the father provides a guarantee when borrowing. If the borrower can't repay the loan due, the bank will ask the guarantor to repay it at the first time. The guarantor mentioned here is not necessarily the borrower's child.

According to the current credit environment, there are not many credit loans issued by banks. Even if credit loans are issued, the amount is not large, mostly around 654.38+10,000 yuan. At the same time, in order to ensure safety, banks will also require borrowers to repay by installments, and/or raise interest rates, internal guarantors and other risk control measures. Under normal circumstances, the first principal of a loan is overdue. If it is not natural or man-made disasters, it is likely that there are major flaws in the pre-loan investigation. If the first principal is not overdue, with the increase of repayment times, the borrower's default rate will become larger and larger, and the probability of bank loan loss will become smaller and smaller, which is one of the reasons why many banks are keen to require credit loans to be repaid in installments.

Back to the topic, if the father does not repay the loan, it will not only have a great impact on the borrower's husband and wife and the guarantor's husband and wife (when a married borrower applies for a loan, both husband and wife often need to borrow money, and the guarantor and wife need to sign a guarantee contract at the same time), but also have a great negative impact on the borrower's family and the guarantor's family. If he refuses to repay the loan, the bank can apply for freezing and sealing up the property, car, bank deposits and other assets under his name. Once the borrower and guarantor are listed as untrustworthy, they will be restricted from high consumption and their children will be restricted from receiving aristocratic school education.

Conclusion: Even if the adult children of the borrower have no obligation to repay the loan, it will be unbearable to see their parents in such pain. As long as they have the ability, it is normal to repay the loan for their parents.