Legal analysis: 200,000 fake loan, and the way of prosecution and evidence collection is: 1. If you can find the party who forged the loan, you can directly file a lawsuit against it; 2. Actively negotiate with banks that handle loans and credit cards. If the bank refuses to solve the problem, it can sue the bank for infringing the citizen's name right; 3. The impostor should pay attention to collecting evidence. In view of the fact that all kinds of contracts and evidence of impostor loans are not signed by him, he can apply for legal appraisal.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be 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.