Legal analysis: if the amount of the crime of defrauding loans is more than100000 yuan or the direct economic losses caused to banks or financial institutions are more than 200000 yuan, you can file a case for prosecution. Where loans, bill acceptance, letters of credit, guarantees, etc. are obtained. Whoever swindles the funds of a bank or other financial institution and causes heavy losses to the bank or other financial institution or has 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; 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.

Legal basis: Article 27 of the Provisions of the Ministry of Public Security of the Supreme People's Procuratorate on the Standards for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs. Obtained by fraudulent means from banks or other financial institutions, suspected of one of the following circumstances, should be filed for prosecution: (1) loans, bill acceptance, letters of credit, letters of guarantee, etc. Obtained 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 50 Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, with an amount of more than 20,000 yuan, shall file a case for prosecution.