The standard for filing the crime of loan fraud in Article 193 of the Criminal Law: 1. The subject of crime is a natural person who has reached the age of criminal responsibility and has criminal responsibility ability; 2. Subjectively, it is a deliberate composition for the purpose of illegal possession; 3. The object of infringement is the national financial management system and the loan ownership of banks or other financial institutions; 4. Objectively, it is manifested as the act of defrauding banks or other financial institutions of a large amount of loans by using fictional facts and concealing the truth.

Legal objectivity:

According to Article 193 of the Criminal Law, one of the following circumstances constitutes the crime of loan fraud. 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 particularly 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 his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents.