The concrete consequence is that bank account loans are likely to require joint and several liability. If the debtor repays the loan on time and there is no loan dispute, it does not need to bear legal responsibility. If there is a legal dispute over the loan, then it is necessary to provide reasonable reasons and basis to post the loan. In the event of a dispute, bear the adverse legal consequences according to the specific circumstances. Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.