Legal analysis: Anyone who uses fraudulent means to defraud loans will be subject to administrative penalties if it does not constitute a crime. According to regulations, the banking regulatory agency of the State Council will confiscate the illegal gains. If the illegal gains exceed 500,000 yuan, he will also be fined. A fine of not less than one time but not more than five times the income shall be imposed; if there is no illegal income or the illegal income is less than 500,000 yuan, a fine of not less than 500,000 yuan but not more than 2 million yuan shall be imposed.

Legal basis: "Law of the People's Republic of China on Commercial Banks"

Article 82 If a borrower uses fraudulent means to obtain a loan, which constitutes a crime, he shall be held criminally responsible in accordance with the law. .

Article 83 If any of the acts specified in Articles 81 and 82 of this Law does not constitute a crime, the illegal gains shall be confiscated by the banking regulatory agency of the State Council, and the illegal gains shall be subject to a five-year period. If the amount exceeds 100,000 yuan, a fine of not less than one time but not more than five times the illegal income shall be imposed; if there is no illegal income or the illegal income is less than 500,000 yuan, a fine of not less than 500,000 yuan but not more than 2 million yuan shall be imposed.