1. The crime of using bank loans (1) takes advantage of his position to approve, lend or impersonate himself. (2) Take advantage of the borrower's eagerness to ask for bribes and accept bribes in a false name. Such as consulting fees, information fees, handling fees, incentive fees and so on. (3) Misappropriation of fictitious bank loan interest. (4) Interception and misappropriation of bank loans receivable, that is, misappropriation of funds after deliberately delaying the repayment period of loans, or direct interception and recovery of loans for personal use. (five) illegal lending funds, engage in "borrowing chickens and laying eggs" to enrich themselves. Use financing channels to avoid the control and management of credit scale, and transfer a large amount of credit funds to real estate speculation, stock speculation, foreign exchange speculation, and running companies to make huge profits for individuals. Second, the use of bank savings to commit duty crimes in the savings business, generally prone to fraudulent use of empty deposits, theft of depositors' deposits, non-entry and other illegal acts. Empty deposit and fraud are also called empty deposit and real withdrawal. Without a passbook, criminals fill out the withdrawal voucher privately and give it to the cashier to withdraw cash from the warehouse. Or use the convenience of microcomputer management in recent years to defraud deposits by means of false deposits or inflated deposits. Stealing depositors' deposits means that criminals withdraw others' deposits from their depositors' accounts without the depositors' knowledge. Purchasing on behalf of the customer without recording it refers to the behavior of criminals who take advantage of their position to collect money from customers and open passbooks or certificates of deposit, but fail to record them in time and intercept them for their own use. Third, the field of accounting settlement of duty crimes in bank accounting settlement is one of the high-incidence areas of corruption and misappropriation of public funds, and most of them are major or extraordinarily serious cases. Common forms of crime are: altering or forging settlement vouchers; Stealing the business seal; Reuse settlement vouchers; Tampering with accounts and vouchers and stealing unit deposits; Defrauding interbank funds. In recent years, a new and more serious form of crime in the field of bank accounting settlement is manifested as internal and external collusion, theft of bills of exchange and corruption of interbank funds. Because the balance can be filled in the bank draft at will, stealing the bank draft is more serious than stealing the bank cash. 4. Duty Crimes of Bank Cashiers There are two kinds of crimes committed by bank cashiers by using their direct control over cash and deposits: inside job and stealing from themselves. In banks or credit cooperatives, there are two ways for internal employees to steal from themselves: one is to directly steal the funds from the vault, that is, the actor uses the convenience of managing the vault, guarding the vault or handling cash to directly steal the funds for himself. The second is "cash tap", that is, when handling business, cash is taken out from the whole bundle of cash or the whole bundle that has been counted by customers or other staff for private possession. Forge payment vouchers to obtain cash or embezzle from the state treasury. Criminals forge payment orders, daily reports, alter cashier's books, etc. , in order to get cash. National laws and regulations are also being popularized, and citizens' legal awareness is constantly improving. If employees in the financial industry take advantage of their positions to occupy other people's property, the consequences will be very serious. When the criminal suspect's crime is very serious, he should also bear certain criminal responsibility. Here, remind everyone to abide by the law.