Legal analysis: the borrower can repay the loan in time or negotiate with the bank to make a repayment plan, so as to get the understanding of the bank and withdraw the lawsuit. If negotiation fails, the borrower should actively respond to the lawsuit and try to mediate or reduce the repayment responsibility.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.