Legal analysis: it needs to be repaid. If sued by the bank, it may be enforced by the court, auctioning assets to repay debts.

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

Article 224 The property part of a legally effective civil judgment or ruling and a criminal judgment or ruling shall be executed by the people's court of first instance or the people's court of the place where the property is executed at the same level as the people's court of first instance.

Article 228 When compulsory enforcement measures are taken, the enforcement personnel shall show their certificates. After the execution is completed, a written record of execution shall be made and signed or sealed by the relevant personnel present.