Legal analysis: The act of making loans under false names shall constitute the crime of loan fraud if the amount reaches the circumstances specified in the criminal law. If the amount is relatively large, the person 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, the person 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 particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

Legal basis: Article 193 of the "Criminal Law of the People's Republic of China": Under one of the following circumstances, for the purpose of illegal possession, defrauding banks or other financial institutions of loans, the amount is relatively large If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: (1) Fabricating funds to introduce funds , projects and other false reasons; (2) using false economic contracts; (3) using false certification documents; (4) using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral; (5) using Other methods of loan fraud.