Legal analysis: the debtor can negotiate with the bank to demand repayment by installments, or choose other property rights to offset. If the debtor is unwilling to negotiate, the bank can go to court to sue, and after winning the case, it can apply to the court to enforce the debtor's other property. Of course, if the court finds that the debtor has no other property available for execution by the court, the court will terminate or suspend this execution, and the court can resume the execution procedure when the debtor has property available for execution in the future.

Legal basis: Article 242nd of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the value of property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.