It is obvious that the loan intermediary colluded with the bank staff to give false information to customers. If the repayment is not made in time, both the intermediary and the bank staff will bear the relevant legal responsibilities.

According to Article 193 of the Criminal Law, in any of the following circumstances,

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:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.

"Other serious circumstances" as stipulated in Article 10 of the Decision refers to:

(1) paying a large amount of bribes to the staff of a bank or financial institution in order to defraud loans;

(two) squandering loans, or using loans for illegal activities, resulting in loans that cannot be repaid when they expire;

(three) concealing the whereabouts of the loan and refusing to repay it after the expiration of the loan period;

(four) to apply for a loan by providing false guarantee, and refuse to repay it after the expiration of the loan period;

(five) to apply for a loan in the name of others, and refuse to repay the loan after the expiration of the loan period.

The amount of personal loan fraud is 654.38 million yuan, which is a "large amount"; The amount of personal loan fraud is more than 50,000 yuan, which is a "huge amount"; If the amount of personal loan fraud is more than 200,000 yuan, it is a "particularly huge amount".