If a bank loan cannot be repaid at maturity, it may be repaid in installments through consultation with the lending bank, or it may apply to the court for a ruling on repayment in installments.

Refusal to repay after consultation or court ruling shall be enforced by the court according to law. Article 108 of the General Principles of the Civil Law: The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.