I borrowed 200 million yuan from the rural credit cooperatives in 2009, and the repayment period is one year! But it has not been paid back yet, and the bank has never asked for interest and principal. ... Is it 20 thousand? How can it be 200 million? The credit union can lend you 200 million.

Overdue repayment not only has high late fees and penalty interest, but also has bad credit records;

I suggest you contact the bank as soon as possible and repay the loan as soon as possible, otherwise you will be in trouble once the bank sues you.