Legal analysis: if you owe money to the bank, you will not go to jail if you have no money. However, the bank can bring a lawsuit to the court according to law and ask the court to safeguard its creditor's rights. If the bank wins the case and the debtor refuses to execute the effective judgment, the bank may apply to the court for compulsory execution according to law.

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

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.

Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.

Article 236 of the Civil Procedure Law of People's Republic of China (PRC) * * * A legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution.