Legal analysis: No. Borrowers should actively perform their repayment obligations. If the borrower fails to repay after signing an installment contract, the institution can file a civil lawsuit in the People's Court to demand repayment from the borrower. After the court's ruling, if the borrower still fails to fulfill its repayment obligations, the court will take measures such as freezing the account and including it on the list of dishonest people. If the borrower maliciously evades debt, he may be suspected of a criminal offense and will be held criminally responsible according to law.

Legal basis: "People's Republic of China and Civil Code"

Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.