According to the provisions of the Criminal Law of People's Republic of China (PRC):
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 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.
Extended data:
Related fraud cases:
People's Daily Online, Qingdao, May 24th? The first case of defrauding a bank with zero down payment housing loan by using forged purchase contract text and certificate in Shandong Province was recently solved in Qingdao. All four suspects involved in the case have been brought to justice, and the defrauded loan of 3.8349 million yuan has been fully recovered by the public security organs.
At 5 o'clock on the evening of April 22, the Security Section of Qingdao North Public Security Bureau received an alarm from a real estate company that Liu Jian, the buyer of the company, withdrew a bank loan of 2.28 million yuan on the grounds that the bank loan exceeded the purchase price, which was very suspicious. After receiving the report, the leaders of Shibei Public Security Bureau attached great importance to it and formed a task force to conduct an investigation overnight.
According to the investigation, in February this year, Liu Jian (male, 26 years old, employee of a transportation company) and Zhang Yunbo (male, 29 years old, unemployed in Qingdao) signed a contract with a real estate company in the name of Liu Jian's younger brother to purchase a commercial outlet house with a value of 654.38+0.54 million yuan, and obtained the purchase contract and seal of the real estate company.
Later, in the name of others, the seal of the real estate company was forged into a commercial housing sales contract, and then the fake purchase contract was used to handle housing mortgage loans in the bank, totaling 3.83 million yuan. When the bank transferred all the money to the real estate company, Liu Jian received a refund of 2.28 million yuan from the real estate company on the grounds of overpaying the purchase price.
On the afternoon of April 23, the police arrested Liu Jian, and Liu confessed to the crime of defrauding bank loans. On the morning of April 25, the police arrested Xu Niangen, a suspect who privately engraved Liu Jian's official seal. On May 9th, Jiang and his wife surrendered under the threat of "strike hard". On May 2 1 day, fraud suspects Liu Jian and Xu Niangen were arrested by the police according to law.
People's Daily Online-Qingdao police cracked the first case of zero down payment housing loan fraud