2. The borrower wants to get a loan with a relatively high amount, but he has no house, no car and no other assets certificate, thinking that it will be settled for 1,000 yuan.
3. The borrower does not have a fixed unit, and the bank flow is less than the requirements for applying for a loan. He wants to increase the loan amount and be a fake bank flow.
4. The lender's credit report is overdue for many times, seriously overdue, blacklisted, etc. And the credit report is black. It is difficult to "find a way" to make a fake credit report, because it can be found inside the bank.
Generally speaking, the crime of defrauding loans will be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance, and a fine or a single fine. Reference point of legal benchmark punishment:
1, the amount of fraud is less than 4000 yuan, which is a fine; Between 4,000 yuan and 5,000 yuan, it is public surveillance; 5,000 yuan, three months of criminal detention, and each increase of 1670 yuan will increase the sentence by one month; If the amount is 1000 yuan, it shall be six months' imprisonment, and for every increase of 1000 yuan, the imprisonment shall be increased by one month.
2. Under any of the circumstances stipulated in Article 131, if it is planned to be sentenced to criminal detention, it will be upgraded to fixed-term imprisonment; Those who intend to be put under control or fined will be upgraded to criminal detention.
The legal reference point of fixed-term imprisonment of more than three years and less than ten years:
Whoever cheats 40,000 yuan shall be sentenced to three years' imprisonment, and the term of imprisonment shall be increased by one month for every additional 2,000 yuan.
/kloc-the reference point of legal benchmark punishment for fixed-term imprisonment of more than 0/0 years:
Whoever cheats 200,000 yuan shall be sentenced to 10 years' imprisonment, and for every additional 4,000 yuan, the sentence shall be increased by one month.
In short, if the bank fails to repay the arrears within the time limit, if it is determined to meet the above circumstances, it may be punished for the crime of fraudulent loans.
Legal provisions: Article 266 of the Criminal Law of People's Republic of China (PRC) stipulates: "Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 or confiscated. Where there are other provisions in this Law, such provisions shall prevail. "