If you owe the bank RMB 1 million, you can negotiate with the bank to repay it in installments. If you are really unable to repay, you can have the bank sue. After the court's decision, you will actively perform your repayment obligations and make repayments in accordance with the court's decision. Debt disputes are civil disputes and will not lead to jail time.

According to Article 117 of the "Civil Procedure Law of the People's Republic of China", the adoption of compulsory measures to obstruct civil proceedings must be decided by the people's court. Any unit or individual who illegally detains others or illegally and privately seizes others' property to pursue debts shall be held criminally responsible in accordance with the law, or be detained or fined.

Article 214 If a creditor requests the debtor to pay money or securities and meets the following conditions, he may apply to the basic people's court with jurisdiction for a payment order:

( 1) The creditor and the debtor have no other debt disputes;

(2) The payment order can be served on the debtor.

The application shall state the amount of money or securities requested and the facts and evidence on which it is based.

Extended information:

Article 89 of the "General Principles of the People's Republic of China and Civil Law", in accordance with the provisions of the law or in accordance with the agreement of the parties, the following methods may be used to guarantee debts Performance:

1. The guarantor guarantees to the creditor that the debtor will perform the debt. If the debtor fails to perform the debt, the guarantor shall perform or bear joint liability according to the agreement; after the guarantor performs the debt, it has the right to recover from the debtor.

2. The debtor or a third party can provide certain property as collateral. If the debtor fails to perform its debts, the creditor has the right to receive priority repayment by discounting the value of the mortgaged property or using the proceeds from the sale of the mortgaged property in accordance with the provisions of the law.

3. One party may pay a deposit to the other party within the scope prescribed by law. After the debtor performs its debt, the deposit shall be used as payment or recovered. If the party who paid the deposit fails to perform its debts, it has no right to request the return of the deposit; if the party who received the deposit fails to perform its debts, it shall return double the deposit.

4. If one party occupies the property of the other party as stipulated in the contract, and the other party fails to pay the dues beyond the agreed time limit in accordance with the contract, the possessor has the right to retain the property and, in accordance with the provisions of the law, convert the retained property into value or sell the property. The price of the property is repaid first.

China National People's Congress Network - Civil Procedure Law of the People's Republic of China