Legal analysis: the debtor should repay the debt. If it is temporarily unable to repay, it can be repaid by installments with the consent of the creditors 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. Thus, it is certain that the debtor must repay the debt, but at present there are two situations in society where the debt cannot be repaid, one is unable to repay and the other is unable to repay. Therefore, the failure to repay the bank loan is only a civil dispute and will not go to jail.

However, if the 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 enforcement. 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: Provisions of the Ministry of Public Security of the Supreme People's Procuratorate on the Standards for Public Security Organs to Jurisdicte Criminal Cases for Filing and Prosecuting (2) Article 50 Anyone who defrauds a bank or other financial institution for the purpose of illegal possession and the amount is more than 20,000 yuan shall file a case for prosecution.