Legal basis: Guiding Opinions on Establishing and Perfecting the Joint Incentive System of Trustworthiness and the Joint Punishment System of Trustworthiness to Accelerate the Construction of Social Credibility, measures such as restricting the exit of serious untrustworthy subjects who have the ability to perform but refuse to perform, restricting the purchase of real estate, taking airplanes, taking high-level trains and seats, traveling and vacationing, staying in hotels above star level, etc. Affect the family, children can't go to key schools. Personal credit records not only affect themselves, but also affect a family. For example, if the husband has a bad credit record, the wife's mortgage loan will also be rejected. Some "Lao Lai" who deliberately delay paying their debts will be blacklisted, and their children will not be able to attend key schools, which will affect their personal career. If the circumstances of continuous overdue are serious, the bank or creditor will publish the ID number and overdue information in the media, or notify the work unit. Malicious or intentional default, the bank will sue, affecting employment and promotion. Send a lawyer's letter and bring a lawsuit to the court. Lending institutions will collect loans according to law and bring a lawsuit to the court according to the loan contract and guarantee contract. The court will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged property. Execution after judgment. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to pay off the loan loss. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. Pensions can be deducted directly. The pension due to the person subjected to execution shall be regarded as the fixed income of the person subjected to execution at a third party and belong to the scope of his responsible property.