There are two consequences of defrauding loans by forging information: one is the crime of defrauding loans, and the other is the refund, which will constitute the crime of defrauding loans. The legal basis is that "if People's Republic of China (PRC) obtains a bank or other acceptance, letter of credit or guarantee by deception, causing heavy losses or other serious circumstances, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined. Forged information to cheat the bank not to find out in time during the audit, and the loan has been issued. Once the matter is exposed, the bank will immediately request to cancel the loan contract and return the loan funds. Such as funds, must also be compensated. In addition, if the loan is defrauded by forging information, which will affect the application later, the bank will report this information to the system and record it in the borrower's personal credit report for other credit granting, which is difficult to go to heaven.
Second, what are the consequences of providing false information to defraud loans?
Anyone suspected of constituting a loan crime shall be convicted and punished according to the amount. According to Article 193 of the Criminal Law of People's Republic of China (PRC), anyone who borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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.
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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) fabricating false reasons such as introducing funds and projects;
(two) the use of false economic contracts;
(3) using false documents;
(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;
(5) Loans in other ways. Article 193 of the Criminal Law of People's Republic of China (PRC) stipulates that under any of the following circumstances, if a loan is issued to a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; 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.
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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) fabricating false reasons such as introducing funds and projects;
(two) the use of false economic contracts;
(3) using false documents;
(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;
(5) Loans in other ways.
3. What loans are fraudulent?
You may need information to understand the situation, but it is still common to find some platforms, such as a securities loan.