1. Failure to repay the loan owed to the bank is a civil dispute and will not be investigated for criminal responsibility and imprisonment. 2. After the creditor wins the case in the court, if the debtor fails to perform the judgment of the court within the performance period, the creditor may apply to the court for enforcement. Consequences of non-repayment of loans: 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments; 2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement; 3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; 4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

Legal objectivity:

Criminal law of the people's Republic of China

Article 193

Under any of the following circumstances, whoever defrauds a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.