In the first case, the main responsibility is to provide insufficient information or fail to provide relevant information in time. The bank takes back the loan and pays a certain fee and related interest.
The second case is suspected of fraud. In addition to repaying the loan and bearing the handling fee and interest expenses, it is also necessary to bear legal responsibilities as appropriate. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined.
Fines; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment,
And impose a fine or confiscation of property. Where there are other provisions in the Criminal Law, those provisions shall prevail. The above is the explanation I saw on the barrister's website. Let's see if I can help you.