Legal analysis: when handling personal bank loans, banks will examine the lender's credit standing and repayment ability. If you are sued and lost because of private lending, your personal information can be found in the banking system of the Public Security Bureau, and your personal credit will be reduced, which will affect the success rate and loan amount. Basic conditions for handling personal bank loans: 1. Having legal and valid identification (resident ID card, household register or other valid identification) and proof of marital status; 2. Have a good credit record and willingness to repay; 3. Have a stable source of income and the ability to repay the loan principal and interest in full and on time; 4. Can provide effective guarantee for the lender. Documents to be prepared: 1. The borrower's valid identity documents and proof of marital status; 2. The borrower's household registration certificate (household registration book or other valid residence certificate); 3. The borrower's economic income certificate and occupation certificate; 4. Other materials required by the lender.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.