Since you have been sued by the bank, the court will give you a copy of the complaint. It is recommended to negotiate with the bank, repay the loan in installments, and let the bank withdraw the lawsuit.

"General Principles of the People's Republic of China and Civil Law"

Article 108 Debts must be paid off. If the debt is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. If the person has the ability to repay and refuses to do so, the People's Court shall make a judgment to force repayment.

"Civil Procedure Law of the People's Republic of China"

Article 125 The people's court shall send a copy of the complaint to the defendant within five days from the date of filing the case, The defendant shall file a statement of defense within fifteen days from the date of receipt. The defense statement shall state the name, gender, age, ethnicity, occupation, workplace, residence, and contact information of the defendant; the name, residence, and name, position, and contact information of the legal person or other organization and the legal representative or principal person in charge. The People's Court shall send a copy of the defense to the plaintiff within five days from the date of receipt of the defense.

If the defendant fails to submit a statement of defense, it will not affect the trial of the People's Court.

Article 143: If the plaintiff refuses to appear in court without justifiable reasons after being summoned, or if he leaves the court midway without permission from the court, the lawsuit may be dismissed; if the defendant counterclaims, a default judgment may be made.