遇到贷款到期前借款人意外身故的情况,银行贷款的落实可先通过协商解决。协商不成,以及诉讼中、强制执行前和执行过程中碰到类似情况,则可以通过追加、变更继承人为被告和被执行人,向保证人追偿等方式追偿贷款,以保障银行的合法权利。随着普惠金融的不断深入,农户贷款已占据银行特别是农信社贷款业务的近半壁江山,以浙江某农信联社为例,该联社共有4万余户农户贷款,由于涉及面广,农信社每年都会遇到个别农户因意外或生病等原因导致的 In the event of an accidental death of a borrower before the loan expires, the implementation of a bank loan may be settled through negotiation. If the negotiation is not successful, and similar cases are encountered during the litigation, before enforcement and during execution, the bank may recover the loan by appending and changing the successor as the defendant and the enforcer, recovering the guarantor’s compensation, etc., so as to safeguard the bank’s legal rights. With the continuous deepening of inclusive finance, peasants’ loans have occupied nearly half of the loans of banks, especially the rural credit cooperatives. Taking a peasant association in Zhejiang as an example, the association has a total of more than 40,000 peasant households, , Every year, rural credit cooperatives encounter some individual households due to accidents or illness and other causes