1. Civil liability for compensation: If the bank causes losses to the borrower due to illegal lending, the borrower may require the bank to bear the liability for compensation according to the People's Republic of China (PRC) Contract Law and other laws and regulations. This may include the return of unjust enrichment, compensation for loss of interest and compensation for loss of principal.
2. Administrative responsibility: The bank's illegal lending may violate the Banking Supervision Law of the People's Republic of China, the General Principles of Loans and other relevant national financial regulations and policies. In this case, the bank may be subject to administrative penalties by the financial supervision department, such as fines, warnings, orders to correct, and suspension of some businesses.
3. Criminal responsibility: If the bank staff commit illegal acts such as accepting bribes and dereliction of duty in the process of illegal lending, they may also violate the Criminal Law of People's Republic of China (PRC) and constitute a crime. In this case, bank staff may be investigated for criminal responsibility, such as sentenced to fixed-term imprisonment, life imprisonment, confiscation of property, etc.
It should be pointed out that the legal responsibility of banks for illegal lending varies according to specific circumstances, and the specific responsibility needs to be analyzed according to actual cases. It is suggested to seek professional legal advice in time in case of such problems in order to safeguard their legitimate rights and interests.