The bank loan has not been repaid for 20 years, and the court will issue a subpoena after the litigation period. According to relevant public information, loans that exceed the limitation of action can still be prosecuted and the court will accept them. However, in cases that exceed the limitation of action, the defendant's defense has exceeded the limitation of action, and the court will decide to lose the case. If the defendant does not appear in court, although the statute of limitations has expired, but the defendant has not defended, the court will still support his claim.