Paragraph 3 of Article 175
Obtain loans, bill acceptance, letters of credit, guarantees, etc. Whoever obtains funds from banks or other financial institutions by fraudulent means, causing heavy losses to banks or other financial institutions or having other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years? Fixed-term imprisonment or criminal detention, with or without a fine; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
Article 193 The crime of loan fraud is under any of the following circumstances. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. And impose a fine of more than 20 thousand yuan and less than 200 thousand yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; Is it huge or something? If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) fabricating false reasons such as introducing funds and projects;
(two) the use of false economic contracts;
(3) using false documents;
(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;
(5) obtaining loans by other means.