1, non-repayment is generally a civil dispute and will not go to jail. Relevant parties can actively communicate with banks. If they really have no money to repay now, they can negotiate repayment. If you don't repay, your personal credit will be tainted, and the information will be uploaded to the central bank's credit information system, which will become untrustworthy, which will have a great impact on your future high-speed rail ride and buying a house and car.

2. Creditors can apply to the court for enforcement, and the court will seal up, freeze or auction the property of the parties. Of course, there are also special circumstances, such as the parties have the ability to perform the contract, but maliciously refuse to perform the court decision. If the circumstances are serious, it will constitute a crime of refusing to perform, and the punishment will be fixed-term imprisonment of not more than three years. The crime of refusing to execute is manifested in the fact that the person subjected to execution conceals, transfers, intentionally damages or transfers the property for free, or transfers the property at an obviously unreasonable low price, so that the judgment or ruling cannot be executed.

Legal basis: Article 313th of the Criminal Law of People's Republic of China (PRC).

The crime of refusing to execute the judgment or ruling is capable of executing the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.