Legal analysis: if the bank loan is not repaid, it will only be more and more owed, the loan will only be profitable, and the loan amount will only increase. If you owe a penny, you must pay it back. You can't pay less if you have more.

Legal basis: Article 35 of the Measures for the Administration of Personal Loans. After the personal loan is issued, the lender shall take effective measures to track, inspect, monitor and analyze the use of loan funds and the changes of the borrower's credit and guarantee to ensure the safety of loan assets.