If the bank borrower goes to jail, the bank can recover the arrears by applying for arbitration or bringing a lawsuit to the court. After a bank obtains a successful judgment, it may apply to the court for compulsory execution according to law, and the court may take compulsory measures such as sealing up, distraining and freezing the borrower's property.

Legal objectivity:

Article 2 of People's Republic of China (PRC) Arbitration Law Contract disputes and other property rights disputes between citizens, legal persons and other organizations with equal subjects may be arbitrated. Article 120 of the Civil Procedure Law of People's Republic of China (PRC) * * * A lawsuit shall be filed with the people's court, and a copy shall be submitted according to the number of defendants. Article 122 of the Civil Procedure Law of People's Republic of China (PRC) * * * If a civil dispute brought by a party to a people's court is suitable for mediation, it shall be mediated first, unless the party refuses to mediate. 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. Article 242nd of the Civil Procedure Law of People's Republic of China (PRC) * * * If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances.