Since the last time "people died, do you still have to pay back the money you owe?" After the article, another user ran over and asked: If the bank goes bankrupt, will the loan still be used? If you use the online loan platform?

Brother loan can't laugh or cry. Is it because he owes the most money? Did Taiwan Province go out of business? However, since I asked, the loan brother still has to answer seriously.

The money we borrowed from the bank is equivalent to the creditor's rights to the bank. If the bank goes bankrupt, we can erase some debts, but the creditor's rights cannot be erased. Banks are never stupid. When they are about to go bankrupt, they will take debt and creditor's rights as the last straw.

1998, after the administrative closure of Hainan Development Bank, the creditor's rights and debts previously borrowed from Hainan Development Bank were returned to China Industrial and Commercial Bank.

Therefore, even if the bank goes bankrupt, we have to pay back the money we borrowed from the bank, not a penny less.

In this case, if the bank goes bankrupt and I deposit my money in the bank, does the bank have to pay a penny of interest?

Sorry, according to the deposit insurance issued by the State Council on 20 15, the upper limit is 500,000. In other words, the bank will pay the insurance within 500,000 in full, and the amount beyond 50 lines will be determined by the liquidation result.

Of course, the probability of this bank going bankrupt is even smaller than the probability of buying 5 million in the lottery.

Is there no need to pay back the money?

Behind the online lending platform are companies, but all companies have the possibility of bankruptcy. In particular, the platform is not stupid and will not close down easily. Even if it is really forced to close, it will find a good home like a bank to transfer the debts and claims, so that the next home can continue to collect money.

Come out to hang out, you have to pay it back. What you owe is "honesty". It is a wise choice to repay on time after borrowing money.

There was a precedent before: as early as 1998, after Hainan Development Bank was administratively closed, its creditor bank was transferred from Hainan to China Industrial and Commercial Bank.

So we must repay the money we borrowed from the bank, not a penny less.

In this case, if the bank goes bankrupt and I deposit my money in the bank, will the bank return it to me with interest?

Sorry, according to the national law 20 15, the upper limit of personal bank deposit insurance is 500,000. That is, the bank pays in full, and the part exceeding 500,000 is determined by the bank liquidation result.

Second, is it necessary to repay the loan when the bank goes bankrupt?

Lenders and loan banks have a debt relationship based on loan contracts. According to Article 84 of General Principles of Civil Law of People's Republic of China (PRC): "Debt is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the law. " As a creditor, even if the bank goes bankrupt, the mortgage bank still has the right to ask the debtor to continue to repay all debts. So even if the lending bank goes bankrupt, the lender still needs to repay the loan.

Third, the dormant account of rural credit cooperatives?

I want to return it. As long as the borrower exists, the creditor's rights of rural credit cooperatives will not be lost. If there is no statute of limitations, rural credit cooperatives with natural claims can still collect them themselves. There will be no pie in the sky!

Bad debts of credit cooperatives are also called bad debts. Bad debts refer to accounts receivable that an enterprise cannot recover or is unlikely to recover. Credit cooperatives are collective-owned cooperative financial organizations with independent accounting, self-financing, self-management and self-risk.

Dealing with non-performing loans is to adhere to the principle of seeking truth from facts and must be handled in strict accordance with policies, examination and approval authority and prescribed operating procedures.

4. Is it necessary to repay the loan when the bank goes bankrupt?

If the bank goes bankrupt, it should still repay the loan. When the bank goes bankrupt, it still enjoys the creditor's rights to the debtor according to the contract. As a debtor, it should perform its obligations in accordance with the contract. Both parties shall fully perform their respective obligations in accordance with the agreement. We should follow the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract. Loans issued by banks will not be easily changed, and they will not be repaid because of bank failures. After the bank goes bankrupt, there will be corresponding institutions to start counting and liquidating the assets in the bank. When a bank goes bankrupt, the debt will be transferred to another bank, and the lender will go to another bank to repay the loan. As a creditor, even if the bank goes bankrupt, the mortgage bank still has the right to ask the debtor to continue to repay all debts. So even if the lending bank goes bankrupt, the lender still needs to repay the loan. Lenders and loan banks have a debt relationship based on housing loan contracts. Theoretically, in the case of bank bankruptcy, depositors do not need to repay loans, and bank loans should be collected. Debt is a specific right and obligation relationship between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law. Although some housing loan contracts do not clearly stipulate whether the lender should repay the mortgage after the bank goes bankrupt, according to the Civil Code, even if the bank goes bankrupt, the mortgage bank as a creditor still has the right to ask the debtor to continue to repay all the debts. Therefore, even if the loan bank goes bankrupt, the lender still has to pay back the monthly payment, not a penny less. After the bank goes bankrupt, people and enterprises who owe bank loans also need to repay the corresponding debts. Just because a bank's bankruptcy has nothing to do with loans doesn't mean that they don't need to repay their debts. 1. What are the conditions for a loan? The approximate evaluation price can be estimated by using the contract price ×85%. Buying a house with a loan requires the following conditions: (1) a natural person with civil capacity; (2) A developer with permanent residence or valid residence status in a town; (3) Having a stable occupation and income and good credit service ability; (four) to conclude a contract or agreement for the purchase of houses; (five) the purchase price of the purchaser without housing subsidy is not less than 30% of the down payment of the purchaser; 30% of the individual housing subsidy is used as the down payment for house purchase; (6) Assets recognized by the lender as mortgage or pledge, or units or individuals with sufficient compensation capacity; (7) Other conditions stipulated by the lender. Second, if the bank doesn't pay back, who should it pay back? Like the bankruptcy of other companies, a liquidation group should be set up first to liquidate its assets and liabilities. Its assets are mainly loans and its liabilities are mainly deposits. After the liquidation, it is the disposal of assets, usually by auction. Therefore, we should know that borrowing also represents the relationship between creditor's rights and debts. After the bank fails, the creditor's rights are transferred, and the person who obtains the ownership of the loan assets becomes the new creditor, that is, the debtor's repayment object. After the bankruptcy liquidation of a general bank, its creditor's rights will be transferred to the state or a new bank. So after the bank has identified a new creditor, everyone can repay the loan. Legal basis: Article 509 of General Principles of Civil Law of People's Republic of China (PRC), the parties shall fully perform their obligations as agreed. The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract. Article 511 of the Civil Code of People's Republic of China (PRC) * * * If the parties have not clearly agreed on the contents of the relevant contract and cannot be determined according to the provisions of the preceding article, the following provisions shall apply: (1) If the quality requirements are not clear, mandatory national standards shall apply; If there is no mandatory national standard, it shall be implemented in accordance with the recommended national standard; If there is no recommended national standard, it shall be implemented in accordance with industry standards; If there is no national standard or industry standard, it shall be implemented according to the usual standard or the specific standard that meets the purpose of the contract. (2) If the price or remuneration is not clear, it shall be performed according to the market price at the place of performance when the contract is concluded; If government pricing or government-guided pricing should be implemented according to law, it shall be implemented in accordance with the provisions. (3) Where the place of performance is unclear, if payment is made in currency, it shall be performed at the place where the party receiving the currency is located; Where real estate is delivered, it shall be performed at the place where the real estate is located; Other targets shall be performed at the place where the party performing the obligations is located.