I. Criteria for Filing the Crime of Illegally Issuing Loans According to the provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the prosecution criteria for economic crimes, the staff of banks or other financial institutions, in violation of laws and administrative regulations, issue loans to people other than related parties, and should be prosecuted if they are suspected of one of the following circumstances: (1) Individuals illegally issuing loans, resulting in direct economic losses of more than 500,000 yuan. (two) the unit issued loans in violation of regulations, resulting in direct economic losses of more than 6.5438+0 million yuan. According to the second and third paragraphs of Article 186 of the Criminal Law, employees of banks or other financial institutions who, in violation of laws and administrative regulations, make loans to people other than related parties, thus causing heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than 1000 yuan 10000 yuan. Whoever causes particularly heavy losses shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan. If a unit commits this crime, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Item 1 of the standard for filing a case for this crime stipulates that "individuals illegally issue loans, causing direct economic losses of more than 500,000 yuan", and should be placed on file for investigation. The so-called illegal issuance of loans refers to the behavior that the staff of banks or other financial institutions violate the provisions of laws and administrative regulations, are seriously irresponsible or abuse their powers, and issue loans to others other than related parties. Item 2 of the standard for filing a case for this crime stipulates that "if a unit illegally issues loans, resulting in direct economic losses of more than 6,543,800 yuan", it shall file a case for investigation. Second, how to punish the crime of illegally issuing loans? China's criminal law stipulates that a natural person who commits the crime of illegally issuing loans shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 10,000 yuan but not more than 100,000 yuan. Whoever causes particularly heavy losses shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan. If a unit commits the crime of illegally issuing loans, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the above provisions on individual crimes.

Legal objectivity:

Banks or other financial institutions and their staff who issue loans in violation of state regulations and are suspected of one of the following circumstances shall be put on file for prosecution: (1) illegally issuing loans with an amount of more than one million yuan; (two) illegal loans, resulting in direct economic losses of more than two hundred thousand yuan.