Loan failure will constitute a crime, which belongs to the crime of loan fraud and is a criminal offence. If it is a normal loan, if it cannot be repaid due to unexpected economic reasons, it is a normal civil dispute and does not constitute a criminal offence. The crime of loan fraud refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, false certificates, using false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of large loans by other means. The crime of loan fraud belongs to a kind of financial crime.

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