Legal analysis: if the debtor has the ability but does not choose to repay, the people's court may rule that it be included in the list of people who have lost their trust. If a party is removed from the list of people who have been executed for breach of trust, it can generally go through the relevant procedures for bank loans within three working days. It is difficult for a person who has broken his promise in court to borrow money from the bank after paying off his debts. The person subjected to execution was judged by the court to bear part of the responsibility. After entering the program, they are all called untrustworthy. If they break their promises, the people's court will include the untrustworthy person in the list of untrustworthy people, which will also have a certain impact on the credibility of the untrustworthy person.

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 perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and impose credit punishment on him according to law: (1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of 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.