The four situations of the crime of defrauding loans are: (1) obtaining loans, accepting bills, letters of credit, letters of guarantee, etc. By deception, the amount is more than one million yuan; (2) Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. By fraudulent means, causing direct economic losses of more than 200,000 yuan to banks or other financial institutions; (3) Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. Take fraudulent means for many times, although it does not meet the above-mentioned amount standard; (4) Other circumstances that cause heavy losses to banks or other financial institutions or have other serious circumstances. Article 175 of the Criminal Law stipulates that loans, bill acceptance, letters of credit, guarantees, etc. have been obtained. Whoever obtains funds from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined. Article 175-1 of the Criminal Law whoever obtains loans, bills, letters of credit, guarantees, etc. shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined. Obtaining funds from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances; 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. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.