1. If the party concerned has died, the insurance company shall make compensation according to the terms of the insurance contract;

2. If the beneficiary in the insurance contract is the legal beneficiary, then the debts owed by the parties should be deducted first, that is, the insurance amount paid should be deducted from the credit cooperative loan.

3. If the beneficiary in the insurance contract is the designated beneficiary, the insurance amount shall be paid directly to the beneficiary designated by the parties, and the bank shall recover the loan from the beneficiary.

Second, how to deal with the dead money of rural credit cooperatives?

If the borrower's relatives or other third parties sign a joint repayment responsibility contract with the lending institution when applying for a loan, the lending institution will require the guarantor to fulfill the guarantee obligation, assume joint repayment responsibility and repay the remaining debts in the case of long-term default by the borrower. Without any third-party guarantee: ① If the borrower chooses the mortgage loan method, and the overdue time reaches about half a year, the lending institution will generally file a house auction lawsuit, and the proceeds from the auction will be used to pay off the debts first; (2) If the family of the deceased repays the loan on his behalf, then after all the loans are paid off, his family can go through the formalities of mortgage cancellation and then keep the house. However, if the borrower originally chooses not to provide collateral or a third party joint liability, it will be more difficult for the lending institution to recover the arrears, which will generally be treated as bad debts. Debt means that in the legal relationship of debt, the debtor has the obligation to do or not do something to the creditor. For example, in the sales contract, the seller has the obligation to deliver the goods sold to the buyer, which is a debt to a certain behavior. Determination of debt. 1. If the borrower dies, the bank requires the execution of collateral for repayment. If the value of the collateral is insufficient, or the collateral disappears due to force majeure, the applicant guarantor shall bear joint and several liability for guarantee. 2. If it is a credit loan without collateral. After the borrower died, the bank demanded that the borrower's estate be sold and repaid. If the borrower has no inheritance, or the inheritance cannot be sold. Then ask the heir to repay. 3. If the borrower is dormant account. Without an inheritance, the second loan became a bad debt. There is no need to pay it back, but the account will always exist. The loan guarantor of rural credit cooperatives shall bear the following responsibilities according to the different guarantee methods: 1. As the guarantor of general guarantee responsibility, he has the right of first appeal. That is, after enforcement, the guarantor may refuse to undertake the guarantee liability to the creditor before the debtor's property can be performed. 2. As a guarantor of joint and several liability, he shall bear the same repayment liability as the debtor and shall not enjoy the right of defense. That is, regardless of whether the debtor has property or not, the guarantor has the obligation to undertake the guarantee responsibility and repay the debt to the creditor. 3. If a specific property (real estate, etc.). ) is mortgaged to provide a guarantee, when the debtor fails to perform the debt, the credit cooperative can apply for auction and sale of the property, and the property will be paid in priority.

Third, how to deal with the loan of the unsecured and unsecured lender's death credit cooperative?

How to deal with the loan when the lender of the credit cooperative dies;

1. If the borrower's relatives or other third parties sign a joint repayment responsibility contract with the lending institution when applying for a loan, the lending institution will require the guarantor to fulfill the guarantee obligation, assume joint repayment responsibility and repay the remaining debts in case of long-term default by the borrower.

2. Without any third party guarantee:

(1) If the borrower chooses the mortgage loan method, then when the overdue time reaches about half a year, the lending institution will generally file a house auction lawsuit, and the proceeds from the auction will be used to pay off debts first;

(2) If the family of the deceased repays the loan on his behalf, then after all the loans are paid off, his family can go through the formalities of mortgage cancellation and then keep the house.

3. However, if the borrower chooses not to provide collateral or third-party joint liability, it will be more difficult for the lending institution to recover the arrears, which will generally be treated as bad debts.

Four, how to deal with the dead money of rural credit cooperatives?

The club paid 30 yuan for the goods, and now we can't afford it at all.