Legal analysis: 1. The first situation is that real banks misappropriate loans to repay non-performing loans or for other purposes. In this case, as a guarantor, it is necessary to master the transfer flow or bills used by the bank to prove that this part of the loan is really used by the bank rather than by the lender and the guarantor, and the principal and interest of this part of the loan should be borne by the bank instead of. ...

2. In the second case, the relevant personnel of the bank, including the president of the bank, misappropriate non-performing loans, and the bank personnel use them for personal consumption.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

1, refusing to perform the obligations specified in the effective legal documents when it has the ability to perform;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by false litigation, false arbitration or concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.

Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person stipulates that if the executed person is a natural person, after taking measures to restrict consumption, he shall not have the following high consumption and unnecessary consumption behaviors:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.