Legal analysis: it needs to be returned. If the bank didn't ask you for the loan 30 years ago, it should have been directly written off by the bank as a bad debt, but you still have to go to the bank to pay off the debt. If you don't pay it back, you will always be on your credit report. If you have money, go to the bank and pay it back. If the credit report is good for 5 years, there will be no such bad record.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.