Legal analysis: if you owe money to the bank, the bank can sue in court. The litigation process is as follows: 1, prosecution, appeal to the court with jurisdiction; 2. filing a case for review; 3. After the prosecution is accepted, the court will serve a copy of the complaint to the other party within 5 days; 4. Arrange the court session time; 6. Listening; 7. Reach a mediation agreement. Make a conciliation statement, which will take effect after being signed by both parties. When the parties perform the contents of the mediation agreement or apply for execution, they apply to the court for retrial.

Legal basis: Article 122 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.