Under normal circumstances, the public security organ decides whether to file a case within seven days after reporting the case. According to the law, the time limit for filing a criminal case for review shall not exceed 3 days in principle; Suspected criminal clues need to be verified, and the time limit for filing a case for review shall not exceed 7 days; Major and complicated cases may be extended to 30 days with the approval of the person in charge of the public security organ at or above the county level. When the police station files a case, the notice of filing a case should be served on the victim or the informant, not on both sides. If the police station refuses to file a case, it shall, within three working days after filing the case, serve a notice of refusal to file a case on the informant according to law. If the informant fails to report, he may apply for reconsideration within seven days, and the organ shall conduct reconsideration within seven days.

Criminal law of the people's Republic of China

Article 175-1 Whoever obtains loans, acceptance bills, letters of credit or letters of guarantee from banks or other financial institutions by deception, thus causing heavy losses to banks or other financial institutions, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

Article 193 Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession under any of the following circumstances, 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 particularly 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 his property shall be confiscated: (1) 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.