According to Article 98 of the "Interim Rules for the Exchange of Evidence in Civil and Economic Disputes Courts":
1. If the debtor cannot repay the debt, the creditor can only file a lawsuit in court and force the debtor to pay the debt through legal means. The debtor discharges his debt.
2. Under normal circumstances, creditors cannot directly exercise coercive power, including seizing property.
Extended data:
Conditions for issuing loans exceeding the record:
1 "The Supreme People's Procuratorate and the Ministry of Public Security jointly issued Article 50 of the Provisions on the Standards for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (2). Article 50 of the Prosecution Standards clearly stipulates that anyone who defrauds a bank or other financial institution of a loan of more than 20,000 yuan for the purpose of illegal possession shall file a case for prosecution.
2. I owe a bank loan and have no money to repay it. At present, the period for banks to hear first-instance civil cases is 6 months under ordinary procedures; if there are special circumstances that require an extension, it can be extended for 6 months with the approval of the president of this court; if an extension is needed, it must be reported to the superior court for approval; summary procedures are used for trial The time limit for the case is 3 months and cannot be extended. If the case cannot be concluded within 3 months, the case will be transferred to ordinary procedures to continue the trial.