Legal analysis: if the enterprise loan is not paid, whether the shareholders bear the responsibility depends on the nature of the enterprise first. If the enterprise is a limited liability company or a joint stock limited company, the shareholders shall bear limited liability with their share of capital contribution; If the shareholders have invested all their capital in place according to the shareholders' agreement, they need not bear the responsibility, that is to say, the insolvent shareholders of the company have no obligation to pay off the operating losses. If the shareholder has not paid the capital contribution ratio in full before, he/she needs to supplement the capital contribution as required, and he/she does not need to bear the debt liability after the supplement.

Legal basis: Article 3 of the Company Law of People's Republic of China (PRC), an enterprise as a legal person has independent legal person property and legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.