Legal analysis: If it is caused by your personal reasons, please repay as soon as possible and ask the financial institution to withdraw the lawsuit. If you don't pay back the money owed to financial institutions, and you don't return it after repeated reminders, you will sue in court, and after the court decides, you will apply to the court to enforce your property. If you have the ability to refuse to execute the judgment of the court, the court will take detention and fine measures against you, and the serious circumstances constitute the crime of refusing to execute the judgment. Of course, if you have no repayment ability and the court has no way to enforce it, you will be included in the list of untrustworthy people and you will be prohibited from spending too much. After you have the executable property, the financial institution will apply to the court for enforcement.

Legal basis: Article 496 of the General Principles of the Civil Law of People's Republic of China (PRC) stipulates that the provider of standard clauses should take reasonable measures to remind the other party of the clauses that have a great interest in it, and make clear the legal consequences when it fails to perform its obligations. Therefore, when concluding a loan contract with a borrower, especially a financial consumer, the lender should clearly inform the real interest rate in an easy-to-understand way or clearly inform the interest calculation method that can reflect the real interest rate.