Banks know this, and realize that it is unfair to pursue heirs for the collection of debts. After all, banks have specialized capabilities and should take responsibility for checking out a person's credit before loaning them money. How can they possibly consider incalculable factors-such as when a loan applicant might give birth to an heir or who the legal heir might eventually be-in deciding whether to loan money? "
「『個人責任個人擔』，很多銀行也知道向繼承人追債是很心虛的，因為銀行有專業能力，應該自負徵信責任，怎麼可能把借款人何時生孩子、誰是繼承人這種不確定因素放進借貸的考量中呢？」