It is illegal for the loan intermediary to occupy the lender's 20 thousand. According to the relevant public information inquired, Article 193rd of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of loan fraud. Whoever defrauds banks or other financial institutions 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.