Legal analysis: the prosecution process of defaulting banks. The bank should inform the user to repay the loan first, if the user does not repay the loan. The bank brought a lawsuit to the court and submitted the lawsuit to inform the defendant to open the court. According to the admissibility of the case, the court issued a summons to the defendant to inform the defendant to open the court. The court made a reasonable and legal judgment based on the evidence provided by the bank. After the judgment takes effect, if the defendant still fails to repay the loan, the bank may apply to the court for enforcement, and the court shall enforce the defendant after receiving the application for enforcement.

Legal basis: Article 121 of the Civil Procedure Law of People's Republic of China (PRC) shall record the following items: (1) The name, sex, age, nationality, occupation, work unit, address and contact information of the plaintiff, the name and address of the legal person or other organization, and the name, position and contact information of the legal representative or principal responsible person; (2) Information such as the name, gender, work unit and domicile of the defendant, and information such as the name and domicile of the legal person or other organization; (3) the request and the facts and reasons on which it is based; (4) Evidence and its sources, names and residences of witnesses.