1: If you owe more than 2 million yuan and are unable to repay, you will not go to jail, and you will not be sentenced in civil disputes, unless it is intentional. Even jail time does not exempt you from civil liability. If you are unable to repay the debt temporarily, enforcement will not be possible, and enforcement can only be resumed later when you have property.

2: If the principal amount of the debt exceeds RMB 10,000 and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" under the criminal law and suspected of credit card fraud. If a crime is committed, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

3: If you are unable to repay and will face court consequences, it is recommended that you actively negotiate with your creditors to try to delay repayment. Creditors may also sue you and then apply to enforce your property.

4: In addition, if there is no property in his name that can be executed and he refuses to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report and he will be restricted from high consumption and You may even be subject to judicial detention when entering or leaving the country.

5: Generally speaking, failure to repay a bank loan is only a civil dispute and will not lead to criminal liability or jail time. However, if a bank files a lawsuit and wins the case, then applies to the court for compulsory execution and refuses to perform the repayment despite being able to do so, it will be suspected of refusing to execute the judgment or ruling.

6: The criteria for filing a case for refusing to execute a judgment are to hide, transfer, sell off, destroy property that has been sealed up, detained in accordance with the law, or have been counted and ordered to be kept, and transfer of property that has been frozen , rendering the judgment or ruling unenforceable.

Legal basis:

1: Article 313 of the "Criminal Law of the People's Republic of China" Refusal to execute the judgment or ruling of the People's Court despite the ability to execute it , if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

2: Article 313 of the Criminal Law of the People's Republic of China stipulates that anyone who refuses to execute a judgment or ruling made by a people's court 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 punishment.