1. It is recommended to pay off the debt as soon as possible. The bank has the right to sue in court. After the court judgment takes effect, if the court judgment is not fulfilled within the performance period, the other party can apply to the court for compulsory execution;

2 . After accepting the compulsory execution, the court will inquire about the real estate, vehicles, securities and deposits in the name of the debtor in accordance with the law;

3. In addition, if the debtor has no property available for execution and refuses to perform the effective execution of the court's order, If a judgment is issued, negative information such as overdue repayment will be recorded in the individual's credit report and he will be restricted from high consumption and entry and exit, and may even be detained by the judiciary

4. Those who have the ability but refuse to perform Under the circumstances, the person suspected of refusing to execute the judgment or ruling

5. Legal basis:

1) Article 242 of the "Civil Procedure Law" Notice to perform the obligations specified in the legal document, the people's court has the right to inquire the relevant units about the deposits, bonds, stocks, fund shares and other property status of the person subject to execution. The People's Court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution based on different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform.

When the people's court decides to seize, freeze, transfer or devalue property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.

2) Article 313 of the "Criminal Law" stipulates that anyone who refuses to execute a people's court's judgment or order when he is capable of executing it and refuses to do so, if the circumstances are serious, shall be sentenced to a fixed term of not more than three years. Imprisonment, detention or fine