If the Bank of China consumer loan is not repaid, you can take the following measures to solve the problem:

1. Communicate with the bank in a timely manner: Contact Bank of China as soon as possible to explain the difficulty in repayment reasons and let the bank know about your situation.

2. Rearrange the repayment plan: Negotiate with the bank to re-formulate a repayment plan that suits your financial situation, extend the repayment period or reduce the repayment amount per period.

3. Seek help and consultation: If you are unable to negotiate with the bank on your own, you can seek help and consultation from a third party, such as consumer rights protection agencies, financial consulting agencies, etc.

4. Handle collection behavior with caution: If you encounter collection behavior from a bank or collection agency, stay calm and ensure that the collection methods used by the relevant parties are legal and compliant.

To sum up, if you do not repay the BIB consumer loan, you should communicate with the bank in time and make a new appropriate repayment plan. If you have difficulty solving the problem on your own, you can seek help and consultation, and at the same time, you should handle collection behavior with caution.

Extended information:

According to the "General Principles of the People's Republic of China and Civil Law", the borrower shall promptly repay the loan principal and interest as stipulated in the contract. If it is unable to repay due to special reasons To repay on time, you need to negotiate a solution with your creditors. Failure to repay a loan on time may result in damage to your credit history and affect your credit rating. Therefore, when encountering repayment difficulties, it is important to communicate with creditors in a timely manner and formulate a reasonable repayment plan. At the same time, the Consumer Rights Protection Law also stipulates the behavior of creditors during the collection process and protects the legitimate rights and interests of borrowers.