193 is specifically excluded from article 200 of the criminal law, which should be understood as the unit is not the subject of the crime of loan fraud. Loan fraud is often carried out by individuals using the name of the company, and the act of defrauding large loans often occurs. Therefore, article 193 is not in name only. Why does the unit not constitute this crime? It may be that when legislation is made, it is considered that units use false means to defraud loans, but as long as it is used for collectives, civil treatment is more appropriate. Attachment: Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. 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; The amount is very ...