Legal analysis: when the loan expires, the borrower is unable to repay the loan principal and interest. The bank has repeatedly urged the borrower to take it to court, and the court ruled that the borrower should repay the loan principal and interest within the prescribed time limit. The overdue borrower has not returned it, and there is no executable property and the loan amount is large, which may lead to imprisonment.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.