According to the alarm, the crime of loan fraud (Article 193 of the Criminal Law) refers to the act of fabricating false reasons such as introducing funds and projects for the purpose of illegal possession, using false economic contracts, using false certification documents, using false property rights certificates as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of loans or large amounts by other means. The crime of loan fraud belongs to a kind of financial crime. General punishment L. If a natural person commits this crime, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall 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. If the circumstances are serious, the so-called serious circumstances mean that the amount is huge or there are other serious circumstances. Among them, the amount is huge. According to the relevant judicial interpretation, it means that the amount of loan fraud exceeds 6,543,800 yuan. Other serious circumstances refer to one of the following circumstances: (1) paying a large amount of bribes to the staff of banks and financial institutions 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; (4) Providing false guarantee to apply for a loan and refusing to repay it after the loan expires; (five) to apply for a loan in the name of others, and refuse to repay the loan after the expiration of the loan period. If the circumstances are particularly serious, the so-called circumstances are particularly serious, which means that the amount of fraudulent loans is particularly large or there are other particularly serious circumstances. According to the explanation, the former means a huge amount, which means that the amount of loan fraud is more than 200 thousand yuan. The latter, that is, if the circumstances are particularly serious, refers to one of the following circumstances: (1) bribing the staff of banks and financial institutions for the purpose of defrauding loans, with a huge amount; (2) fleeing with loans; (3) using loans for criminal activities.