How to punish those who are suspected of maliciously evading personal consumption loan arrears?

Legal analysis: 1. If the loan is not repaid in one lump sum, the loan bank will notify you by phone or SMS to remind you that you need to repay it on time, and there will also be penalty interest.

If you fail to repay the loan for a certain number of times, you will not be able to get any loans from other financial institutions in the future. Bad records will also appear in the personal credit information system. Once there is a credit stain, even if the loan is replenished later, the credit stain will follow the borrower for five years.

3. The bank can sue to the court for repayment of the loan. If the loan cannot be repaid, the bank can apply to the court for auction of the house. Because the current bank mortgage loans are all based on houses, according to the judicial interpretation in the Supreme People's Court, registered mortgaged houses can be auctioned.

4. The list of names of people who have broken faith refers to the list of six categories of people who have the ability to perform but fail to perform the obligations specified in the effective legal documents, and the specific punishment scope of people who have broken faith is referred to in Article 1 of Several Provisions of the Supreme People's Court Municipality on Publishing the Names and Information of People who have broken faith (adopted at the1582nd meeting of the Supreme People's Court Judicial Committee in July, 20/3). Mainly in three aspects: first, it is forbidden to take soft sleeper planes or trains; The second is to restrict loans or credit cards in financial institutions; Third, if the person subject to execution is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.