Legal analysis: administrative detention is a compulsory measure for public security organs to punish violators who violate public security management according to law, and it is not directly related to personal loans.

Only those who fail to repay the arrears and are still unable to repay after the judgment of the people's court are blacklisted by the bank or the court cannot lend.

Legal basis: general rules of loans

Article 33? Lenders should establish and improve the loan quality supervision system, and classify, register, evaluate and collect non-performing loans. ? Article 34? Non-performing loans refer to non-performing loans, sluggish loans and overdue loans. ? Non-performing loans refer to loans classified as non-performing loans according to the relevant provisions of the Ministry of Finance. ? Sluggish loans refer to loans that are overdue (including expired after extension) but not returned according to the relevant provisions of the Ministry of Finance, or loans that have terminated production and operation but suspended construction (excluding bad loans). ? Overdue loans refer to loans that are not due (including those due after extension) as agreed in the loan contract (excluding sluggish loans and bad loans). ?

Article 35? Non-performing loan registration: Non-performing loans are provided by accounting and credit departments, and the audit department is responsible for reviewing and identifying them according to the prescribed authority. The lender shall fill in the non-performing loan statement quarterly. At the same time, it shall report to the local branch of the People's Bank of China.