If you don't pay back the money, once the bank sues, it may be frozen and forced to pay back. It is still wrong to owe money. Not only will there be overdue interest and penalty interest, but also a bad credit record will be formed. In the future, loans and credit card processing will be blocked. Banks may not sue everyone who owes money, but the greater the amount, the higher the probability of being sued. Once in the prosecution procedure, because the debt relationship is clear and the responsibility is clear, the bank is bound to win the case. If the amount is extremely large, all the existing fixed assets under the debtor's name will be retained and the deposits in the bank under his name will be frozen.