Legal analysis: bank personnel can be convicted of embezzlement of funds and embezzlement of public funds to defraud loans. Bank staff engaged in illegal activities by using fraudulent loans for their own use of more than 5,000 yuan 1000 yuan, and failed to pay them back for more than three months, and engaged in profit-making activities of more than 30,000 yuan 10000 yuan, shall be investigated for criminal responsibility according to law.

Legal basis: People's Republic of China (PRC) Criminal Law.

Paragraph 1 of Article 185: Employees of commercial banks, stock exchanges, futures exchanges, securities companies, futures brokerage companies, insurance companies or other financial institutions who take advantage of their positions to misappropriate the funds of their own units or clients shall be convicted and punished in accordance with the provisions of Article 272 of this Law.

Paragraph 1 of Article 272: Any employee of a company, enterprise or other unit who, by taking advantage of his position, misappropriates the funds of his unit for personal use or lends them to others, and the amount is relatively large, which has not been paid back for more than three months, or if it is not more than three months, but the amount is relatively large and involves profit-making activities or illegal activities, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention; Whoever misappropriates a huge amount of funds from his own unit shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than seven years.