Legal analysis: solutions to non-payment of money: reconciliation, mediation, arbitration, litigation, etc. According to relevant laws and regulations, a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. If the borrower fails to repay the loan as agreed, the other party may claim to terminate the contract through conciliation, mediation, arbitration and litigation, and request to bear the corresponding liability for breach of contract.

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

Article 233 Where a property right is infringed, the obligee may settle it through conciliation, mediation, arbitration and litigation.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.