The first is the most serious criminal responsibility. If a civil servant maliciously and intentionally refuses to repay, it may constitute the crime of loan fraud. Once a civil servant is investigated for criminal responsibility, he will be dismissed according to law and lose his status as a civil servant.
The second is civil liability. It is not malicious for civil servants not to repay bank loans on time. Then the relationship between banks and civil servants is actually an equal private lending relationship, and banks can pursue civil servants' debt liability through litigation and other means. And if the case reaches the execution stage, the executive board of the court can forcibly withhold a certain percentage of civil servants' wages to repay the loan.
The third is the credit information system. At present, the credit information system of China Bank has been connected with the whole country. If the loan in arrears is not paid off, it is likely to be recorded in the credit information system, which will affect the future loans of individual civil servants.