Legal analysis: Generally, the bank files a lawsuit in court and at the same time reports the fraud to the public security agency. The public security organs will detain you for three days after catching you and punish you for not paying back the money you owe in time. If you fail to repay or appear in court, the police will arrest you and you will be punished for not repaying the money you owe, including imprisonment and criminal detention

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 17 The basic people's courts have jurisdiction over first-instance civil cases, except as otherwise provided for in this law.

Article 18 The Intermediate People’s Court has jurisdiction over the following first-instance civil cases:

(1) Major foreign-related cases;

(2) There are Cases with significant impact;

(3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 19 Jurisdiction of the Higher People's Court

The Higher People's Court has jurisdiction over first-instance civil cases that have significant impact within its jurisdiction.

Article 20: The Supreme People's Court has jurisdiction over the following first-instance civil cases:

(1) Cases with significant national influence;

(2) It is believed that cases should be heard by this court.

Article 21 Civil lawsuits filed against citizens shall be under the jurisdiction of the People's Court of the place where the defendant is domiciled; if the defendant's place of domicile is inconsistent with his place of habitual residence, the People's Court of the place of habitual residence shall have jurisdiction. Civil lawsuits filed against legal persons or other organizations shall be under the jurisdiction of the people's court where the defendant is domiciled. If the domiciles and habitual residences of several defendants in the same lawsuit are within the jurisdiction of two or more people's courts, each of the people's courts shall have jurisdiction.