Have since ancient times " be in debt return money, perfectly justified " . Still have a common saying nevertheless, call a person dead debt Qing Dynasty, the dead cannot give witness. False consistent individual borrowed to the bank 5 million, result money still was not over to die, how is silver-colored guild handled? Be aimed at this problem, everybody need not think crooked, because lend money to the bank,be to have strict examine and verify program and assure certainly. That is to say, the bank lends the money that give basically can exactly the amount calls in. Generally speaking bank loan is not so good borrow, if be big borrow or lend money,should pass the examine and verify with very strict bank to just can approve loan more. If, to bank loan 5 million, borrower dies suddenly because of reason. Loan is loan from beginning to end, it is debt had be toed return, without the view of disappear of person dead debt. After dying when borrower accordingly, bank nature still should chase after those who demand borrow or lend money, according to the loan circumstance of borrower, the bank also has different approach to recover borrow or lend money. If borrower, have an inheritor. According to relevant law, the inheritor is Wu of accountability countervail repay a debt. If be to pass security to bank loan, security is Wu of repay a debt wanting countervail. Finally, if borrower does not have an inheritor to also fall without the circumstance of security already, so silver-colored guild repays according to your debt situation with the dead's bequest did not return money, if the bequest of borrower can't repay,owe, the bank also has only avowed and hapless, debt can regard loan as bad Zhang processing. Nevertheless this kind of situation produces rarely commonly.