Legal analysis: According to the relevant provisions of China's laws, if the borrower refuses to repay the loan, the legal judgment is as follows:

1. If the debtor refuses to repay the loan and the negotiation between the two parties fails, the creditor can submit a complaint to the court, and has the right to file a lawsuit with the people's court, which will accept it according to law and detain the borrower for observation. If you want to get back the loan through prosecution, you need the parties to prepare relevant evidence in advance, mainly including: IOUs, recordings or telephone calls when both parties borrow money, bank transfer records and other evidence.

2. The creditor may apply to the court for compulsory execution, and the court has the right to apply to the relevant units to inquire about the property status of the person subjected to execution, such as deposits, stocks, funds, etc., and the court takes compulsory measures according to law to seal up, detain, freeze, auction and sell off the property that the person subjected to execution should fulfill his obligations.

3. The specific sentencing standards should be determined according to the specific amount of loans and other circumstances.

legal basis: article 242 of the civil procedure law of the people's Republic of China, if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the property of the person subjected to execution, such as deposits, bonds, stocks, fund shares and so on.

the people's court has the right to seize, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances.

the property inquired, seized, frozen, transferred or changed in price by the people's court shall not exceed the scope of the obligations that the person subjected to execution shall perform.

when the people's court decides to seize, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.