1. defrauding loans of more than one million yuan;

2. Obtaining loans by fraudulent means, causing direct economic losses of more than 200,000 yuan to banks or other financial institutions;

3. Although it has not reached the above amount standard, it has repeatedly defrauded loans;

4. Others cause heavy losses to banks or other financial institutions or have other serious circumstances.

The standard for filing the crime of defrauding loans is:

1. defrauding loans of more than one million yuan;

2. Cheating loans, causing direct economic losses of more than 200,000 yuan to banks or other financial institutions;

3, although not up to the above amount standard, but repeatedly obtained loans by deception;

4. Other circumstances that cause heavy losses to banks or other financial institutions or have other serious circumstances.

To sum up, obtaining loans, bill acceptance, letters of credit and guarantees from banks or other financial institutions by fraudulent means is a crime of defrauding loans and should be filed for prosecution.

Legal basis:

Article 266 of the Criminal Law of People's Republic of China (PRC)

Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; 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 shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.