You won't go to prison if you owe more than 1 million yuan. Generally, arrears are only civil disputes and will not bear criminal liability. However, if they are obtained through illegal means, criminal liability may be involved.
After the court's judgment, if the debtor fails to perform the court's judgment, the bank may apply to the court for enforcement. If the debtor has the ability to perform the judgment and refuses to execute it, the serious situation will constitute the crime of refusing to execute the judgment.
[Legal Basis]
Article 313 of the Criminal Law shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine if he has the ability to execute the judgment or order of a people's court but refuses to do so, if the circumstances are serious; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.