Loaning with other people's information involves the crime of defrauding loans or loan fraud. If the perpetrator obtains loans from banks and other financial institutions by fraudulent means, causing heavy losses to banks and other financial institutions, it constitutes the crime of defrauding loans; If the perpetrator uses other people's information to borrow money for the purpose of illegal possession, it will constitute the crime of loan fraud.

legal ground

Article 175 of the criminal law

Where loans, bill acceptance, letters of credit, guarantees, etc. are obtained. Whoever defrauds a bank or other financial institution of funds and causes heavy losses to the bank or other financial institution 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.

Article 193

Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; 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 not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.