Legal analysis: users should first contact the lending institution and apply for repayment by agreement. If the lending institution agrees that the user will negotiate repayment, the repayment will be made according to the agreed repayment time and amount. Lenders refuse to negotiate, and users can only repay according to the original repayment plan. At this time, he can borrow money from relatives and friends around him to repay.

Legal basis: Article 186 of the Criminal Law of People's Republic of China (PRC), if a bank or other financial institution staff issues loans in violation of state regulations, and the amount is huge or heavy losses are caused, they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan.

Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph.

If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs.

The scope of related parties is determined in accordance with the Law of People's Republic of China (PRC) Commercial Bank and relevant financial laws and regulations.