Legal analysis: there are two consequences of being sued for defrauding loans: first, if the crime of fraud is involved and the amount involved is more than 3,000 yuan, criminal responsibility shall be investigated according to law; 2. Failure to repay the loan owed to the bank is a civil dispute and will not be investigated for criminal responsibility and imprisonment. If the debtor fails to perform the court judgment within the performance period, the bank may apply to the court for enforcement after winning the case. When accepting enforcement, the court will inquire about the property, vehicles, securities and deposits under the debtor's name according to law.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.