According to the Contract Law of People's Republic of China (PRC)

Article 20 1. If the lender fails to issue the loan at the agreed time and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to receive the loan at the agreed time and amount, it shall pay interest at the agreed time and amount.

Therefore, the lender signed a loan contract and agreed to issue loans to the borrower, but the lender failed to fulfill this obligation. This is not for the purpose of illegal possession, and fictional possession of the borrower's property does not constitute fraud.

This is a civil dispute.

If the lender fails to issue the loan at the agreed time and amount, thus causing losses to the borrower, the borrower may sue and demand compensation for the losses.

However, it must be emphasized that the borrower must prove that there is a causal relationship between his loss and the lender's failure to issue the loan at the agreed time.