Legal analysis: if the borrower fails to repay the loan within the agreed time limit, it needs to bear the corresponding overdue interest. If the lender still fails to repay the loan after being urged, the lender may bring a lawsuit to the people's court and demand the borrower to repay the loan. If the court decides that the borrower still fails to perform the judgment after repayment, the lender may apply for compulsory execution. The court may seal up, freeze, transfer, change the price, etc. , execute the property of the person subjected to execution, such as deposits, bonds, stocks, funds, etc. You can also take resignation measures to limit its issuance, record it in the credit information system, and publish non-performance information through the media.

Legal basis:

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 236 of the Civil Procedure Law of People's Republic of China (PRC) * * * A legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.

Article 242 If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.

Article 247 After the property is sealed up or detained, the executor shall order the person subjected to execution to perform the obligations specified in the legal documents within a time limit. If the person subjected to execution fails to perform within the time limit, the people's court shall auction the sealed-up or distrained property; If it is not suitable for auction or both parties agree not to auction, the people's court may entrust the relevant units to auction or auction on their own. Articles prohibited by the state from trading freely shall be handed over to the relevant units for purchase at the price stipulated by the state.

Article 255 If the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking other measures such as restricting his exit from the country, recording it in the credit information system, publishing the non-performance information through the media and other measures prescribed by law.