Legal analysis: if it is really unable to repay, it should negotiate with the lending institution to extend the repayment period or repay it in installments. If the lending institution fails to perform the judgment of the court 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.

Legal basis: Article 236 of the Civil Procedure Law of People's Republic of China (PRC). A legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.