Legal analysis: If you owe money to the bank and the bank fails to repay it for many times, you will sue the court and apply to the court to enforce your property after the court's decision. If you have the ability to refuse to execute the judgment of the court, the court will take detention and fine measures against you, and the serious situation constitutes the crime of refusing to execute the judgment. Of course, if you don't have the repayment ability and the court can't enforce it, then you will be included in the list of untrustworthy people and you are forbidden to spend too much. After you have the executable property, the bank will apply to the court for enforcement. Therefore, voluntary repayment is a good solution.

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

Article 447 When the debtor fails to perform the due debt, the creditor may retain the chattel that the debtor has legally possessed, and enjoy the right of priority in compensation for the chattel. The creditor specified in the preceding paragraph is the lien holder, and the movable property it occupies is the lien property.

Article 449 A chattel that cannot be retained by law or agreed by the parties shall not be retained.

Article 451 The lien holder has the obligation to properly keep the retained property; If the retained property is damaged or lost due to improper custody, it shall be liable for compensation.