Legal analysis: you have to repay the bank loan. In addition, for bank loans, under normal circumstances, the company's property has been mortgaged, and the bank has the priority to be compensated for the mortgaged property. These mortgaged properties do not belong to bankruptcy property, and the proceeds from auction of mortgaged properties are also given priority to banks with mortgages, and the remaining properties belong to bankruptcy property.
Legal basis: Article 113 of the Enterprise Bankruptcy Law of the People's Republic of China stipulates that the bankrupt property shall be paid off in the following order after paying off the bankruptcy expenses and beneficial debts first: (1) The wages, medical care, disability allowance and pension expenses owed by the bankrupt to employees shall be included in the basic old-age insurance and basic medical insurance expenses of employees' personal accounts, as well as the compensation that should be paid to employees according to laws and administrative regulations; (2) Social insurance premiums and taxes owed by the bankrupt other than those specified in the preceding paragraph; (3) Ordinary bankruptcy claims. If the bankruptcy property is insufficient to pay off the repayment requirements in the same order, it shall be distributed in proportion. The wages of directors, supervisors and senior managers of bankrupt enterprises shall be calculated according to the average wages of employees of the enterprise.
Second, what if small enterprises go bankrupt and have no money to repay bank loans?
The company shall bear the liability for liquidation with the bankrupt property. Legal Basis of the Company Law of People's Republic of China (PRC) Article 3 A company is an enterprise legal person, with 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.
Third, small and micro enterprises went bankrupt due to poor management. What should I do if I don't pay back the loan of 6.5438+0.5 million yuan owed to the bank?
I suggest you try to repay the loan. If you can't repay the loan at present, you can communicate with the bank to apply for an extension or extension, reduce the monthly repayment amount, reduce the pressure of life, and then work hard to do more, increase revenue and reduce expenditure, and get rid of the trouble as soon as possible. If you insist on not paying back, first of all, your overdue behavior will definitely be recorded in your personal credit report, which will have a negative impact on your future loans. At the same time, the bank will call you for collection, which will affect your normal life. If the bank still refuses to repay after repeated collection and warning, it can resort to law, and in serious cases, it can be sentenced.
Fourth, how to solve the bankruptcy of small and micro enterprises?
Small and micro enterprises are small, with weak economic strength, few employees and low output; 2. There is no factory under its own name to run an enterprise; Because of the above two items, banks dare not lend to these enterprises, so these enterprises are called ""