According to our work practice, loan issuance is a systematic operation process, which involves both pre-loan investigation, in-loan review and post-loan management. From credit granting to management, there are relevant responsible persons in each process, among which the president of the branch of the loan reporting bank is the first responsible person of the loan, followed by the credit manager (account manager) and the loan officer of the household department. According to the requirements of the Guidelines for Investigating the Responsibility of Non-performing Loans issued by the Banking Regulatory Bureau, once the loan enters the secondary stage, if there is any doubt or loss, the relevant personnel shall be investigated for responsibility. However, as long as you handle and manage the business in accordance with the business operation standards, you will not be responsible for the loan losses caused by the business reasons or force majeure. If the loan cannot be collected due to dereliction of duty, it is generally ordered to be transferred from the post for collection. You still can't be an individual, and so far, we haven't had a situation where the loan can't be collected and borne by an individual. To put it bluntly, the most is to leave. However, if financial crimes are involved, such as internal and external collusion to defraud bank loans and pursue legal responsibility, then you have to pay them back.