Legal analysis: if it is really unable to repay, it should negotiate with the lending institution to extend the repayment period or repay by installments; If the lending institution fails to perform the court's judgment during the performance period after suing the court and winning the case, it will apply to the court for enforcement; When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; If the lender has no property available for execution, refuses to perform the effective judgment of the court, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Legal basis: Article 21 of the General Principles of Loans, the lender must be approved by the People's Bank of China to operate the loan business, hold the License of Financial Institution as a Legal Person issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.