Legal analysis: calculate. It not only violates the loan ownership of banks or other financial institutions, but also violates the national financial management system. Loan refers to the monetary funds provided by banks or other financial institutions as lenders to borrowers and repaid the principal and interest at the agreed interest rate and time limit. In modern society, with the increasing demand for funds for national economic and social development, loans play an increasingly prominent role in social and economic life. Banks and other financial institutions not only participate in the liquidity turnover of enterprises by issuing loans, but also support enterprises to purchase fixed assets and carry out technological transformation to promote the development of production. At the same time, they also promote the circulation of commodities and the development of science, technology, culture and health. At the same time, with the increasing development of China's loan finance business, illegal and criminal activities of fraudulent loans have emerged and become increasingly fierce. Fraud not only infringes on the property ownership of banks and other financial institutions, but also inevitably affects the normal loan business and other financial business of banks and other financial institutions, undermining the stability of China's financial order. Therefore, fraudulent loan behavior infringes on the loan ownership of banks and other financial institutions and the national loan management system, which is more harmful to society than ordinary fraud.

Legal basis: The crime of loan fraud in Article 193 of the Criminal Law of People's Republic of China (PRC) refers to the act of fabricating false reasons such as introducing funds and projects for the purpose of illegal possession, using false economic contracts and false documents, using false property rights certificates as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of loans or a large amount by other means. The crime of loan fraud is a financial crime.

People's Republic of China (PRC) Civil Code

Article 509 The parties shall fully perform their obligations as agreed. The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract.

Article 563 If a party fails to perform its obligations due to delay in performance or other breach of contract, it may terminate the contract.