I. Continue to repay bank bankruptcy loans.
Loans issued by banks will not change easily, which means that you may still have the obligation to repay, and you will not have to pay them back just because the bank fails. Relevant legal experts pointed out that since loans are also creditor-debtor relationships, theoretically there is no case that depositors in bank bankruptcy do not have to repay loans, and bank loans should be collected. Of course, there may be laws on bank bankruptcy in the future.
Second, limited compensation for bank bankruptcy deposits.
According to media reports, the China Banking Regulatory Commission is speeding up the introduction of bank bankruptcy regulations, which means that once a bank goes bankrupt, depositors' deposits will be compensated by deposit insurance institutions. The deposit insurance system has been formally implemented since May 1 2065438. The State Council decided that the People's Bank of China should be responsible for implementing the deposit insurance system, with a maximum repayment limit of 500,000 yuan. If the sum of the principal and interest of all deposit accounts of the same depositor in the same bank is less than 500,000 yuan, it shall be paid in full; The part exceeding 500,000 yuan shall be compensated from the liquidation property of the bank where the account is opened.
In other words, as long as your deposit does not exceed 500,000, the insurance company will fully compensate you after the bank goes bankrupt. If it exceeds 500 thousand, I'm sorry, I can't get full compensation In case of bank failure, large deposits exceeding 500,000 cannot be paid in full. The part of 500 thousand yuan can be paid in full, and the part above 500 thousand yuan depends on the liquidation of the bank. If you are lucky, you can have a little. If you are unlucky, you will have nothing.
2. Will the loan be repaid when the bank goes bankrupt?
I want to return it.
First, whether the bank you apply for a loan is bankrupt or not, there is a debt relationship between you and the bank, and these loans must be repaid in lump sum. Banks are supervised by the China Banking Regulatory Commission. Even if they go bankrupt, there will be appropriate follow-up measures. Generally speaking, if a bank goes bankrupt, it will be taken over by a new financial institution. During this period, all the creditor's rights of the bank will be transferred to this financial institution, so the creditor's rights relationship still exists only because the account of the repayment party has changed. The payee has changed from Bank A to Bank B, and there will be no repayment person, repayment period and repayment amount.
2. After the bank is taken over, the receiver will fully liquidate the assets and liabilities of the bank, and then transfer the assets and liabilities to other banks. For example, the assets and liabilities of Baoshang Bank, which recently filed for bankruptcy, were transferred to Shang Meng Bank and Shanghui Bank in April this year. In other words, if you owe a bank a loan of 500,000 yuan, after the bank goes bankrupt, you may not return this 500,000 yuan to the bank that gave you the loan, but to the bank that received the bank's creditor's rights. Therefore, the loan will not disappear because the bank is facing bankruptcy, and the loan owed to the bank will still be repaid.
1. Bankruptcy refers to a legal system in which creditors or debtors appeal to declare bankruptcy and repay debts according to bankruptcy procedures when debtors are unable to repay their debts or are insolvent. The narrow bankruptcy system only refers to the bankruptcy liquidation system, and the broad bankruptcy system also includes the reorganization and reconciliation system. In most cases, bankruptcy refers to an enterprise behavior and economic behavior. People are sometimes used to calling for the bankruptcy of individuals or companies.
Second, the bankruptcy characteristics
(1) The debtor cannot pay off the debts due.
"Maturity debt" refers to the debt that has reached the time limit for paying off debts; "Liquidation" means full repayment; "Insolvency" refers to various possibilities of not being able to pay off on time. Of course, the bankruptcy of the debtor cannot be regarded as "bankruptcy".
(2) There are many creditors.
If there is only one creditor, go through the general civil enforcement procedure. In the case of the largest number of creditors, if the general civil enforcement procedure is adopted, some creditors may not be paid off or only get a small amount of payment because of competing requests to enforce the debtor's property, which leads to obviously unfair results. Therefore, a special procedure-bankruptcy procedure is needed to ensure the fairness of creditors' profits and losses.
(3) Creditors get fair compensation.
All the debtor's property is not enough to pay off all the debts, which determines that the creditor cannot realize all the debts. According to the requirement of "homogeneous creditor's rights and equal status", the debtor's property must be distributed among creditors in the same proportion according to the legal order to ensure fairness among creditors.
(4) forgive outstanding debts.
3. Will the loan be repaid when the bank goes bankrupt?
I want to return it. First, whether the bank you apply for a loan is bankrupt or not, there is a debt relationship between you and the bank, and these loans must be repaid in lump sum. Banks are supervised by the China Banking Regulatory Commission. Even if they go bankrupt, there will be appropriate follow-up measures. Generally speaking, if a bank goes bankrupt, it will be taken over by a new financial institution. During this period, all the creditor's rights of the bank will be transferred to this financial institution, so the creditor's rights relationship still exists only because the account of the repayment party has changed. The payee has changed from Bank A to Bank B, and there will be no repayment person, repayment period and repayment amount. 2. After the bank is taken over, the receiver will fully liquidate the assets and liabilities of the bank, and then transfer the assets and liabilities to other banks. For example, the assets and liabilities of Baoshang Bank, which recently filed for bankruptcy, were transferred to Shang Meng Bank and Shanghui Bank in April this year. In other words, if you owe a bank a loan of 500,000 yuan, after the bank goes bankrupt, you may not return this 500,000 yuan to the bank that gave you the loan, but to the bank that received the bank's creditor's rights. Therefore, the loan will not disappear because the bank is facing bankruptcy, and the loan owed to the bank will still be repaid. 1. Bankruptcy refers to a legal system in which creditors or debtors appeal to declare bankruptcy and repay debts according to bankruptcy procedures when debtors are unable to repay their debts or are insolvent. The narrow bankruptcy system only refers to the bankruptcy liquidation system, and the broad bankruptcy system also includes the reorganization and reconciliation system. In most cases, bankruptcy refers to an enterprise behavior and economic behavior. People are sometimes used to calling for the bankruptcy of individuals or companies. Second, the characteristics of bankruptcy (1) The debtor cannot pay off the debts due. "Maturity debt" refers to the debt that has reached the repayment period; "Liquidation" means full repayment; "Insolvency" refers to various possibilities of not being able to pay off on time. Of course, the bankruptcy of the debtor cannot be regarded as "bankruptcy". (2) If there is only one creditor among most creditors, it is only necessary to adopt general civil enforcement procedures. In the case of the largest number of creditors, if the general civil enforcement procedure is adopted, some creditors may not be paid off or only get a small amount of payment because of competing requests to enforce the debtor's property, which leads to obviously unfair results. Therefore, a special procedure-bankruptcy procedure is needed to ensure the fairness of creditors' profits and losses. (3) the creditor's fair compensation for all the debtor's property is not enough to pay off all the debts, which determines that the creditor cannot realize all the debts. According to the requirement of "homogeneous creditor's rights and equal status", the debtor's property must be distributed among creditors in the same proportion according to the legal order to ensure fairness among creditors. (4) forgive outstanding debts.
4. Do you still need to repay the bank loan after bankruptcy?
You must pay it back.
Serious consequences of overdue credit cards:
1, resulting in overdue interest and late fees;
2. Bad credit record;
3. Banks will collect money and may face criminal problems.
Credit card overdue solution:
1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;
2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;
4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.