Legal analysis: If the lender brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the lender may apply to the court for enforcement. If the debtor has the ability to perform the judgment and refuses to execute it, the serious circumstances will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will also extend the performance time.

Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC), the borrower can apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.