Two, the method used by the actor to defraud the loan mainly has the following manifestations:
(a) to introduce funds, projects and other false reasons to defraud banks or other financial institutions loans.
(two) using false economic contracts to defraud loans from banks or other financial institutions. In order to support production, encourage exports and increase the value of limited funds, banks or other financial institutions sometimes issue loans under economic contracts. Some criminals forged or used false export contracts or other economic contracts with good short-term output rate to defraud banks or other financial institutions of loans.
(3) defrauding loans from banks or other financial institutions by using false documents. The so-called documents refer to letters, deposit certificates and other documents needed when applying for loans from banks or other financial institutions.
(four) using false proof of property rights to copy or exceed the value of collateral to defraud banks or other financial institutions of loans. The title certificate here refers to all documents that can prove that the actor has ownership of real estate such as houses or movable property such as cars, money and bills that can be redeemed at any time.
(5) defrauding banks or other financial institutions of loans by other methods, "other methods" means forging the official seal of the unit or sealing it to defraud loans; Using counterfeit money as collateral to defraud loans; Borrow first and then use fraudulent means to refuse to repay the loan. The purpose of this item is that no matter what method the perpetrator uses to defraud the loan, he should be investigated for criminal responsibility according to this crime.