Legal analysis: the consequences of loans overdue's failure to pay back are: 1, which will result in high overdue penalty interest; 2, will collect; 3. If the borrower still refuses to repay the loan after the judgment of the court, the lender may apply for compulsory execution, and the court will seal up and freeze the property of the person subjected to execution according to law; 4. If the person subjected to execution has the ability to perform and refuses to perform, the court may include the person subjected to execution in the list of untrustworthy persons; 5. If the circumstances are serious, it may constitute the crime of refusing to execute the judgment.

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 fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, 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 paragraph.