In judicial practice, if the actor has one of the following circumstances, it should be considered that his behavior belongs to "defrauding a bank or other financial institution for the purpose of illegal possession": (1) absconding with money after lending; (2) The loan was not used according to the purpose, but was squandered, resulting in the loan being unable to repay; (three) the use of loans for illegal and criminal activities, resulting in the loan can not be repaid; (4) Change the purpose of the loan, and use the loan for high-risk economic activities, causing great economic losses and making the loan unable to repay; (5) To seek illegitimate interests, change the purpose of the loan, resulting in significant economic losses, making the loan unable to repay.