The crime of illegal loan granting refers to the act of banks, other financial institutions or their staff violating the provisions of laws and administrative regulations to grant loans to others other than related parties, causing heavy losses. It has the following constituent characteristics : (1) Object characteristics: The objects violated by the crime of illegally granting loans are the country’s credit management system and the legitimate rights and interests of financial institutions themselves. On the one hand, the crime of illegally granting loans violates financial regulations and infringes on the country's credit management system. On the other hand, because it requires causing heavy losses as a constituent element, it also infringes on the property rights and interests of financial institutions. It is a composite object. This is currently common practice. point of view. The objective aspect of the crime of illegally granting loans is that banks, other financial institutions or their staff violate the provisions of laws and administrative regulations and issue loans to others other than related parties, causing heavy losses. There are three main points that need to be made particularly clear: First, "violation of national laws and administrative regulations." Laws include the "People's Bank of China Law", "People's Republic of China Commercial Bank Law", "Securities Law", etc., regulations include "Foreign Financial Management Regulations", etc., and regulations include "General Rules for Loans", etc.; According to the provisions of the above laws and regulations , banks or other financial institutions and their staff should strictly examine the applicant's credit status, loan purpose, repayment ability, repayment method, etc. before granting loans, otherwise it will be illegal to grant loans. The second is to extend loans to "others other than related parties." Article 40 of the "Law of the People's Republic of China on Commercial Banks" clearly stipulates the scope of "related parties", that is, directors, supervisors, managers, Credit business personnel and their close relatives, as well as companies, enterprises and other economic organizations in which the above-mentioned personnel invest or hold senior management positions. Natural persons and entities other than these persons are "others other than related persons"; the third is "causing significant losses". What is a major loss? According to the provisions of the "Standards for the Prosecution of Economic Crime Cases", an individual's illegal grant of loans causes direct economic losses. Those who have lost more than 500,000 yuan, or whose illegal loans issued by the unit have caused direct economic losses of more than 1 million yuan shall be prosecuted. Only behavior that meets the requirements in the above three aspects can constitute the crime of illegally granting loans. (2) Characteristics of the subject: The subject of the crime is a special subject. The subject of the crime is a natural person who is a staff member of a bank or other financial institution. The subject of the crime is a bank or other financial institution. Non-banks or other financial institutions and their staff are not subject to this crime.