For example, a company needs a sum of money now, but under normal circumstances, the bank will not give you any credit. So now the company makes up a project contract and submits it to the bank to get the credit support from the bank. This is a way to get bank credit.
According to the "General Rules for Loans" promulgated by the People's Bank of China, it is not allowed to borrow with loans to seek illegal income; It can be considered that anyone who obtains loans from financial institutions for the purpose of borrowing illegal income belongs to taking loans from financial institutions. Because relevant laws and regulations prohibit making profits from loans, actors generally apply for loans from financial institutions on false loan reasons or loan conditions. However, this does not mean that this crime must be deceptive. When the perpetrator colluded with the person in charge of the financial institution, and the person in charge of the financial institution knew the truth, but still lent money to the person who lent money for profit, the actor's behavior still constituted this crime (the behavior of the person in charge of the financial institution was deemed as or other crimes according to the specific circumstances).
Knowledge expansion:
The crime of usury referred to in Article 175 of the Criminal Law of People's Republic of China (PRC) is to take credit funds from financial institutions for the purpose of lending, and usury others. If the amount of illegal income is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years or fined not less than one time but not more than five times the illegal income; If the amount is huge, 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 not less than one time but not more than five times the illegal income. Where a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.