When you liquidate the collateral, there must be collateral, such a large amount of money and loans, as long as the collateral is true and there is no false information. .

2. If the bank goes bankrupt, will the loan owed to the bank be repaid?

That must be necessary.

The money we borrowed from the bank is equivalent to the creditor's rights to the bank. If the bank really goes bankrupt, although some debts can be written off, the creditor's rights cannot be written off.

Someone will compensate your deposit in the bank, and someone will pay for your loan in the bank.

The loan should also be paid back.

When a bank goes bankrupt, the state will have a special agency to take charge of the latter.

Of course, banks have not failed.

Of course, big banks are unlikely, and small banks are still possible.

So, don't think about this kind of thing again.

Most of the money lent by banks is put in by ordinary residents.

In this case, if the loan is not repaid, how can the interests of depositors be protected?

At present, the only case of bank failure is Hainan Development Bank in the 1990s, and the possibility of real bank failure is very small. However, if the bank goes bankrupt, the bank's creditor's rights and debts will remain unchanged. For example, if you deposit your money in the bank, the bank will pay you back through the insurance company. If it exceeds 500 thousand, the bank will also be responsible for returning the overcharged money to you. Depositors will not suffer in the end.

Similarly, if a bank goes bankrupt, no matter how much money you owe the bank, the bank that takes over must let you pay off the previous loan, because although the bank goes bankrupt, your loan contract will continue, and you only need to repay the loan to the new bank that takes over. If everyone thinks that financial institutions have gone bankrupt, my loan will not be paid, and the whole society will not be in a mess. That is, the money you put in the bank will eventually be returned to you, but you owe the bank a loan and will eventually be returned to the bank that took over the offer.

If the bank goes bankrupt, will the loan owed to the bank be repaid? Theoretically, it is necessary to return it, but in fact, there are cases where it cannot be returned.

After you get a loan from a bank, there is a debt-creditor relationship between you and the bank. If a bank goes bankrupt, in general, there will be a receiver or a new bank formed after bankruptcy and reorganization.

The creditor's rights arising from your original bank loan will be transferred to the recipient or the newly reorganized bank, and they will continue to recover the arrears from you, so you need to continue to repay.

However, if there is no receiver or the reorganization fails, everything in this bank, including the creditor's rights, will disappear completely, and you can not pay the corresponding arrears. However, the incidence of this problem is very low.

If the bank declares bankruptcy and the follow-up work is still uncertain, you can suspend the repayment first, and then decide whether to repay after further understanding of the situation.

Here is a typical case:

On September 15, 2008, due to the subprime mortgage crisis, Lehman Brothers (Bank) of the United States declared bankruptcy protection, but 10 minute after the news was released, the German National Development Bank remitted 300 million euros to Lehman Brothers' account. This incident has greatly criticized the German National Development Bank.

The once normal capital exchange became abnormal because of the bankruptcy of Lehman Brothers.

First of all, the probability is very low, and you may never meet it. Even if banks can't operate, they usually find powerful banks to take over and reorganize or something. In case it happens, the loan will still be paid back, unless you are bankrupt, too. Once bankrupt, the deposit will be guaranteed by the deposit insurance company first, but afterwards, the collection of relevant creditor's rights will be strengthened to reduce the national loss. Therefore, bank bankruptcy is absolutely not good for borrowers, and they have to be prepared to repay in advance. Just like a dying person is in urgent need of money to save his life, who is not ashamed to owe money?

The bank went bankrupt, and the money owed to the bank still needs to be paid back.

The bank is bankrupt and has a bank account. Some receiving institutions continue to clean up their accounts, and loans receivable are the main items, which are the most concerned by receiving institutions, because this is one of the main properties left by banks.

From a legal point of view, if a bank goes bankrupt, the loans receivable must be recovered according to law. This is the responsibility of the receiving institution and is protected by law.

Banks in China are state-owned. What you owe to the bank is what you owe to the country. There will be no chance to escape at any time. The above statement can only be the assumption that state-owned banks will not go bankrupt.

"It is only natural to pay back debts", so the money owed to the bank must of course be paid back. As long as the lender fails to pay off the loan from the bank, the debt relationship between the lender and the bank still exists. Even if the bank enters the bankruptcy procedure, it should still pay off its debts in accordance with the relevant legal procedures of the bankruptcy law.

Unless the bank unilaterally notifies the relevant debt to be exempted and obtains the consent of the relevant creditors, regulators and other organizations of the bank, the debt can be exempted.

Otherwise, the money will still be paid back, but the way of paying back the money may change, for example, not directly to the bank, but to the bankruptcy administrator of the bank.

Even if the bank goes bankrupt, the creditor's rights relationship still exists, so after the bank goes bankrupt, it will reorganize its assets and deal with the creditor's rights relationship.

Therefore, after the bank goes bankrupt, all debts will be accepted by other banks or institutions, and they will still be paid back.

Banks owned by the state shall be supervised by the relevant departments of the CBRC. Under normal circumstances, banks will not be allowed to fail.

Even if the bank goes bankrupt, there will be a collection department to collect the money later. There is no white money in the world.

In addition, the bank will transfer your debt to another place.

What are you thinking about? Of course I want it back! Still blacklisted? !

Third, all the 100 million loans from banks were used for investment and eventually went bankrupt. What responsibility should I bear?

Civil liability, banks as creditors will pay off debts, and all the assets of the company can be used to pay off debts. According to Article 2 of the Enterprise Bankruptcy Law, "If an enterprise as a legal person is unable to pay off its debts due, its assets are insufficient to pay off all its debts or it obviously lacks solvency", it may apply for bankruptcy liquidation. If the company owes bank loans, if all its assets are insufficient to pay off bank loans and other debts, or the company obviously lacks solvency, according to Article 7 of the Enterprise Bankruptcy Law, the company, banks and other creditors have the right to apply to the people's court for bankruptcy liquidation, but if the company's assets are sufficient to pay off bank loans and other debts, it cannot apply for bankruptcy.

Four, 100 million loans from the bank were all used for investment, and finally went bankrupt. What responsibility should I bear?

Civil liability, banks as creditors will pay off debts, and all the assets of the company can be used to pay off debts. According to Article 2 of the Enterprise Bankruptcy Law, "If an enterprise as a legal person is unable to pay off its debts due, its assets are insufficient to pay off all its debts or it obviously lacks solvency", it may apply for bankruptcy liquidation. If the company owes bank loans, if all its assets are insufficient to pay off bank loans and other debts, or the company obviously lacks solvency, according to Article 7 of the Enterprise Bankruptcy Law, the company, banks and other creditors have the right to apply to the people's court for bankruptcy liquidation, but if the company's assets are sufficient to pay off bank loans and other debts, it cannot apply for bankruptcy.