Legal analysis: The way to deal with the failure to repay the loan is to apply to an arbitration institution for arbitration according to the arbitration agreement, or to file a lawsuit in court.

After obtaining a winning ruling, if the other party fails to perform its obligations on the effective ruling received, the party may apply to the court for enforcement.

Legal basis: "Arbitration Law of the People's Republic of China" Article 2 Contract disputes and other property rights disputes between citizens, legal persons and other organizations who are equal subjects can be arbitrated.

Article 120 of the Civil Procedure Law of the People's Republic of China: A complaint shall be submitted to the People's Court and copies shall be filed according to the number of defendants.

If it is really difficult to write a complaint, the complaint may be filed orally, and the people's court will record the case and notify the other party.

Article 122: If the parties bring civil disputes to the People's Court and are suitable for mediation, mediation shall be conducted first, unless the parties refuse mediation.

Article 236 The parties concerned must fulfill any legally effective civil judgment or ruling.

If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement.

The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court.

If one party refuses to perform, the other party may apply to the People's Court for enforcement.

Article 242 If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, the people's court has the right to inquire the relevant units about the deposits, bonds, stocks, fund shares and other property of the person subject to execution.

The people's court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution according to different circumstances.

The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform.

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