If you bear the loss, it depends on the bank. Some banks will let managers bear part of the losses, while others may be fired. If the loan issued by the bank account manager cannot be recovered, you will bear the responsibility, but this is an administrative responsibility. The highest and most severe punishment is immediate dismissal, and there is no need to compensate for loan losses.

The lifelong responsibility system for loans also refers to the investigation of administrative responsibility. In fact, bank loans are not the decision-making function of account managers. The account manager is just an agent, responsible for investigating, analyzing and submitting materials. A loan involves several people, such as the manager, the principal, the approver, the loan manager and so on.

What strategies do banks have to deal with non-performing loans?

1. Loan extension

Sometimes the borrower is in good business condition, and can't fulfill the loan contract on time just because of the temporary cash flow difficulties. At this time, banks will give priority to the flexible handling of borrowing new loans and returning old ones and renewing loans. For major problems in operation, banks will solve them through debt restructuring, and generally other enterprises with normal operations (such as guarantors) will bear the obligation to repay loans.

2. Exhibits borrowed from the exhibition

If the loan extension or debt restructuring can't solve the problem, the general bank will sue the court, seal up, freeze and detain the assets under the borrower's name, and return the bank loan through asset auction. In addition, if the loan cannot be repaid after the auction, the bank will also recover the debt from the guarantor of the loan. Generally speaking, the collateral of a loan is about 70% of the loan amount. If banks strictly follow the regulations when approving loans, this step can generally recover most of the losses.

3. Transfer of assets

If the above two methods do not work, banks will generally think that the loan is impossible to recover, and will package the debt relationship of non-performing loans and sell them to professional asset management companies at low prices. The so-called asset management company, of course, is a company specializing in dealing with non-performing assets and an expert in dealing with non-performing assets. For example, negotiate with the borrower to make a repayment plan that both parties can bear; Or take legal channels to sue the borrower to the people's court and apply for compulsory execution; Or the second transfer of creditor's rights, or debt-to-equity swap. In short, they will use all legal means and professional resources to turn non-performing assets into "good" and form corporate income.

4. Write-off of bad assets

Sometimes, no matter what measures banks take, they can't fill the hole formed by non-performing loans and have to write off non-performing assets.