Legal analysis: return goods. If the fraudulent loan is paid back, it will still be sentenced. Repayment is a lighter or mitigated punishment. Fraudulent loan, suspected of loan fraud, should bear criminal responsibility. The criminal law stipulates that all property illegally acquired by criminals should be recovered or ordered to make restitution; The lawful property of the victim shall be returned in time; The contraband and personal articles used for committing crimes shall be confiscated.

Legal basis: Article 64 of the Criminal Law of People's Republic of China (PRC) stipulates that the property illegally obtained by criminals shall be recovered or ordered to make restitution; The lawful property of the victim shall be returned in time; The contraband and personal articles used for committing crimes shall be confiscated. Confiscated property and fines shall be turned over to the state treasury and shall not be misappropriated or disposed of by themselves.