Legal analysis: If you obtain a loan from a bank or other financial institution by deceptive means and are suspected of obtaining a loan by fraud, causing a loss of 200,000 to the bank, you may be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and may be punished concurrently or separately. gold.

Legal basis: According to Article 195 of the "Criminal Law": Whoever commits the crime of credit card fraud under one of the following circumstances and conducts credit card fraud activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention , and shall 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 10 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 serious circumstances, If there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.