If the leader carries out the loan in the name of the unit, and the loan is mortgaged many times, resulting in repeated mortgage, no matter who is responsible, the original loan must be repaid by the unit first. Because repeated mortgage causes trouble for the bank to realize its rights, it shall be borne by the bank. But in the final analysis, it is still a matter of the unit.

If the leader borrows money in the name of an individual and is mortgaged by the unit, the debt shall be repaid by the leader; But when the leadership is weak, it will be repaid by the unit.

Finally, from a civil point of view, banks will not bear the responsibility.

From the perspective of administrative law and criminal law:

If the bank's review is not strict, it is a serious dereliction of duty and may be handled internally; If it is knowingly committed, it may constitute a crime and be subject to criminal investigation.