Legal analysis: The criminal offence that malicious loans may be suspected of is the crime of loan fraud. Criteria for filing malicious loans: those who defraud banks or other financial institutions for the purpose of illegal possession, and the amount is more than 6,543,800 yuan, shall be filed for investigation.

Legal basis: According to Article 175th of the Criminal Law of People's Republic of China (PRC).

One of the crimes of defrauding loans, bill acceptance and financial bills. Whoever obtains loans, acceptance bills, letters of credit or guarantees 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 only be fined; 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.