Legal analysis: gambling debts are not protected by law, so it is not illegal to not pay back gambling debts, and simply not paying back gambling debts will not affect bank loans. But it is easy to be overlooked that gambling itself will affect bank loans; Because of gambling and debt, their loan risk is obviously higher than ordinary people, and their repayment ability is obviously lower than ordinary people.

Legal basis: Article 303 of the Criminal Law of People's Republic of China (PRC) stipulates that anyone who gathers people to gamble or gamble for profit shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined. Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention or public surveillance, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years and shall also be fined. Whoever organizes People's Republic of China (PRC) citizens to participate in gambling outside the country (territory), if the amount is huge or there are other serious circumstances, shall be punished in accordance with the provisions of the preceding paragraph. Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.