Legal analysis: If you owe a loan of 5,000 yuan, but you don't pay it back within the time limit, then this is a civil dispute and you won't go to jail. However, you may be in danger of being sued. If the online lending institution sues the court, and after the court's judgment, you still refuse to perform the court's judgment and refuse to repay the loan, then you can apply to the court for enforcement. Having the ability to repay, but refusing to repay, if the circumstances are serious, will constitute the crime of refusing to execute the judgment. If there is really no money to repay, a certain grace period will be given.

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

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:

(1) Major foreign-related cases; (two) cases that have a significant impact in the region; (3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.