Legal analysis: inability to repay bank loans is only a civil dispute and will not go to jail. If a bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution. If the debtor has the ability to perform the judgment and refuses to execute it, the serious circumstances will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will also extend the performance time.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute a judgment or ruling, or refuses to execute a judgment or ruling of a people's court. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.