Legal analysis: The first consequence of misappropriating bank loan funds is that the bank will stop issuing loans. If the amount misappropriated is relatively large, it may constitute the crime of misappropriation of funds. If the amount is relatively large, the person shall be sentenced to fixed-term imprisonment of not more than 3 years or criminal detention; if the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than 3 years but not more than 7 years; if the amount is particularly huge, he shall be sentenced to fixed-term imprisonment of not less than 7 years.

Legal basis: Article 272 of the Criminal Law of the People's Republic of China: Employees of a company, enterprise or other unit who take advantage of their position to misappropriate funds of the unit for personal use Or if the amount is relatively large and has not been repaid for more than three months, or if the amount is not more than three months but the amount is relatively large and the loan is for profit-making 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 the unit's funds shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; if the amount is particularly huge, he shall be sentenced to fixed-term imprisonment of not less than seven years.