First of all, it is definitely illegal, because the bank knows all about the above-mentioned situation of the company. The bank has already violated regulations when making the investigation report, and the purpose of the loan of the company does not match the actual purpose of the loan, and there is no truth. Transaction background, the bank's risk department did not examine the company's problems but agreed to lend despite understanding the current situation of the company, which is actually against the rules. In summary, it will not lend to them if there is no shady case.

When there is a risk in a loan, the bank's credit officers bear the main responsibility, and the risk control department personnel and supervisors will be jointly and severally liable. Nowadays, banks are not able to dump non-performing assets to asset management companies when lending. Loan officers will follow the loan wherever they go, unless they are no longer in the financial industry.