Legal analysis: owing loans overdue to the bank is not a civil dispute, and civil disputes will not lead to jail. If a lending institution or bank fails to perform the court's judgment within the performance period after suing the court and winning the case, it will apply to the court for enforcement. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling.

Legal basis: Article 108 of the Civil Law of People's Republic of China (PRC) shall pay off debts. 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.