If the lender refuses to repay the loan after being sued by the court, it is suspected of refusing to execute the judgment if the circumstances are serious. Of course, there is no repayment ability, which will not constitute a crime.

Legal basis: Article 313 of the Criminal Law: The crime of refusing to execute a judgment or ruling. If the circumstances are serious, the offender shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.