If the loan is not repaid and is suspected of illegal and criminal acts, the police may be called, and the parties may report the case to the public security organ, the people's procuratorate or the people's court according to law. If it is not an illegal or criminal act, the parties may settle the dispute through litigation and other means.

legal ground

Article 110 of the Criminal Procedure Law of People's Republic of China (PRC)

Any unit or individual who discovers criminal facts or suspects has the right and obligation to report to the public security organ, the people's procuratorate or the people's court.

Article 120 of the Civil Procedure Law of People's Republic of China (PRC)

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 122

Where mediation is applied to a civil dispute brought by a party to a people's court, mediation shall be conducted first, unless the party refuses to mediate.