Let's see if it is caused by unpredictable reasons, such as the death of the lender in the earthquake, or the sudden occurrence of a major accident in Sanlu and the closure of the enterprise, so the loan officer can't make a judgment before or after the loan. If this is the case, the loan officer is not responsible. Second, see if it is caused by violation of bank regulations, such as neglecting work, not taking work seriously and not following the prescribed procedures. If so, administrative punishment will be imposed. Deduct bonuses, demote, even dismiss, and so on. Generally, such a situation should be borne internally in proportion, including loan officers and examination and approval personnel. Third, see if it is caused by deliberately fabricating data and colluding with borrowers to defraud loans maliciously. If it is, it is financial fraud, and you can sue the loan officer in court. Seriously, not only can the loan officer be required to repay the loan, but the court can also sentence him to death. At this time, it also depends on whether the approver should also bear certain responsibilities.