1. defrauding loans of more than one million yuan;
2. Obtaining loans by fraudulent means, causing direct economic losses of more than 200,000 yuan to banks or other financial institutions;
3. Although it has not reached the above amount standard, it has repeatedly defrauded loans;
4. Others cause heavy losses to banks or other financial institutions or have other serious circumstances.
Legal consequences of fraudulent loans:
1. Civil liability: the borrower is responsible for returning the loan principal and paying the corresponding interest;
2. Administrative responsibility: according to the seriousness of the case, you may face administrative penalties such as fines and confiscation of illegal income;
3. Criminal responsibility: those who constitute a crime may be investigated for criminal responsibility and face penalties such as fines, criminal detention or fixed-term imprisonment;
4. Impact of credit record: Malicious loan fraud will be recorded in personal credit report, which will affect future economic activities such as credit;
5. Civil liability for compensation: In addition to repaying the loan principal and interest, it may be necessary to compensate other losses caused by the lending institution.
To sum up, the criteria for determining malicious fraudulent loans include: obtaining loans by deception100000 yuan or more, causing direct economic losses to banks or other financial institutions by deception of more than 200000 yuan, and obtaining loans by deception for many times, causing heavy losses to banks or other financial institutions or other serious circumstances.
Legal basis:
Criminal law of the people's Republic of China
Article 193
Under any of the following circumstances, whoever defrauds a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, 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, 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 or life imprisonment, and shall also be 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) obtaining loans by other means.