1. You should contact the customer service or loan manager of Fumin Bank in time to explain your situation, including income status, financial status and other factors that may affect loan repayment. The bank may offer some deferred repayment or installment repayment schemes.

2. If the bank agrees, it can postpone or repay the loan in installments according to the agreed plan. In this process, you should make sure that you understand and abide by all repayment arrangements, so as not to generate extra expenses or affect your credit history.

If the loan from Fumin Bank is the only source of funds and there is no other way to obtain funds, you may need to consider applying for other loans to repay this loan. However, it should be noted that this may increase the debt burden and may lead to the deterioration of credit records.

4. If you have some assets that can be realized, such as jewelry, real estate, vehicles, etc. You can consider selling them to repay the loan. However, it should be noted that this may have an impact on life and may not fully cover the loan amount.

5. If it is impossible to repay due to some force majeure factors, you can try to negotiate with creditors whether you can lower the loan interest rate or extend the repayment period.