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.

A serious situation

The so-called serious circumstances refer to the huge amount or other serious circumstances. This amount is huge. According to the relevant judicial interpretation, it means that the amount of loan fraud is more than 1 000 yuan. Other serious circumstances refer to one of the following circumstances: (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 plot is very serious.

The so-called circumstances are particularly serious, which means that the amount of fraudulent loans is particularly huge or there are other particularly serious circumstances. According to the explanation, the former means that the amount is extremely huge, that is, the amount of loan fraud is more than 200,000 yuan. The latter is very serious, which means one of the following circumstances: (1) bribing the staff of banks or financial institutions to defraud loans, with a huge amount; (2) absconding with money; (three) the use of loans for criminal activities.