From a legal point of view, first of all, loans are illegal. Lenders and credit officers shall be investigated for legal responsibilities respectively. Credit officers who issue loans in violation of regulations shall be given a warning, their illegal income shall be confiscated, and a fine of not less than 5 times the illegal income 1 shall be imposed. If there is no illegal income, a fine of 1 10,000 yuan but not more than 500,000 yuan shall be imposed. The senior managers, other directly responsible supervisors and directly responsible personnel of financial institutions shall be given disciplinary sanctions ranging from dismissal to dismissal; If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or revoke its financial business license; If it constitutes the crime of illegally issuing loans to related parties, the crime of illegally issuing loans or other crimes, criminal responsibility shall be investigated according to law. The disciplinary consequence of dismissal is that the People's Bank of China files a case and is forbidden to work in the banking industry for life. As for the liability of the lender, according to the amount involved and the compulsory nature, it should be within the scope of criminal law.
Mainly depends on the amount involved.