Legal Analysis: If you use Qian Bao's money, you will still sue. When the borrower fails to repay the loan, Qian Bao can be used for continuous collection. If the borrower fails to repay the loan for more than 90 days, he can bring a lawsuit to the court and the court will make a judgment. If he refuses to execute the judgment because he has the ability to repay the loan, the parties concerned may also apply for compulsory execution. Prosecution is the act of bringing a lawsuit to the court according to law and requesting the court to hear a specific case. Prosecution in the Civil Procedure Law refers to the litigation behavior that the subject of civil legal relationship requests the court for trial protection in his own name because of the infringement of his own or his civil rights and interests managed and controlled according to law or the dispute with others. If the court accepts the prosecution and agrees to hold a trial, it is called acceptance. The establishment of the public prosecution agency marks the beginning of the proceedings.

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

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

Article 120 A lawsuit shall be filed with the people's court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, it may be submitted orally, which shall be recorded by the people's court and the other party shall be informed.

Article 121 A complaint shall contain the following items:

(1) The name, sex, age, nationality, occupation, work unit, domicile and contact information of the plaintiff, the name and domicile of the legal person or other organization, and the name, position and contact information of the legal representative or principal responsible person;

(2) Information such as the name, gender, work unit and domicile of the defendant, and information such as the name and domicile of the legal person or other organization;

(3) the request and the facts and reasons on which it is based;

(4) Evidence and its sources, names and residences of witnesses.