If the loan cannot be recovered, the loan officer needs to bear the responsibility, but the responsibility should be determined according to the specific situation: 1. If the loan officer does not collude with the customer to harm the interests of the bank in the process of handling the loan, then the loan officer is not enough to constitute a crime and does not bear criminal responsibility; 2. If the loan officer is at fault or negligent but does not constitute a criminal offence, it depends on the provisions of the internal management system of the bank; 3. If there is no fault or negligence but the loan cannot be recovered, it depends on the internal regulations of the bank; 4. If the bank terminates the labor contract, it shall refer to the relevant provisions of the Labor Contract Law. The bank loan officer can be said to be a "polygraph" sent by the bank to test whether the information provided by the lender is true or false. It is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. The work of the loan officer is as follows: 1. Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services; 2. Guide to fill in the loan application form and help to handle the loan application and other businesses; 3. Assist relevant personnel and departments to evaluate the borrower's credit rating; 4. Investigate the borrower's legality and other factors, verify the collateral, pledge and guarantor, and determine the loan risk; 5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures; 6. Issue loans, track, investigate and check the contract execution and operation of the borrower. The impact of non-repayment of loans is as follows: 1. High penalty interest and liquidated damages. High penalty interest refers to the lender's failure to repay the amount specified in the loan on time within the specified time limit, so as to calculate the related high overdue penalty interest. The longer the debtor extends the overdue period, the higher the agreed interest, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. 2, credit damage, if the loan is not repaid, it will also affect its credit; 3. Personal credit information is affected.

2. What will the bank do if it fails to repay the loan in violation of regulations?

Institutions that owe bank loans but are unable to repay them will take a series of measures, as follows:

1. The bank will call the borrower to collect debts.

2. If the borrower still fails to repay the debt after debt collection, there will be a certain penalty interest and a bad credit record for himself.

3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect it in person.

4. If the borrower fails to repay the loan until the end, the bank will take legal measures to safeguard its own rights and interests. If the borrower applies for a mortgage loan, the collateral will be auctioned, and then the proceeds from the auction will be used to repay the loan.

3. I am a mobile phone lender. If the loan can't be collected, what responsibility should I bear?

Credit institutions, loan officers, each institution has different regulations! Generally responsible for collection

1, if the loan officer does not collude with the customer to harm the company's interests in the process of handling the loan, then the loan officer is not enough to constitute a crime and does not bear criminal responsibility. 2. If the loan officer is at fault or negligent but does not constitute a criminal offence, it depends on the provisions of the company's internal management system. 3. If there is no fault or negligence but the loan is still not received, it depends on the internal regulations. 4. If the labor contract is terminated, refer to the relevant provisions of the Labor Contract Law.

It is unreasonable to ask the loan officer to pay back the money. If it really constitutes a crime, the judicial organs can pursue it or impose a fine, and it is impossible not to sentence it because the money has been returned!