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What is the cause of action for the bank's non-performing loan prosecution?
Owning money is not an economic dispute case, but the scope of civil litigation.

You should collect and keep real evidence, such as IOUs, repayment agreements, delivery receipts, bank transfer receipts, etc. If repeated reminders fail, a lawsuit should be brought to the court within two years of the statutory limitation of action. Once more than two years have passed, the court may not support your claim.

If the debtor's mobile phone is turned off, the text message is gone, he runs away, and the game is gone, he should also sue according to law. This can interrupt the limitation of action, and the court can also make a judgment by default according to the actual situation. When the defendant is found, he may apply for compulsory execution.