Those who generally punish natural persons for committing this crime 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 especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, 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 loan amount 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 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 circumstances are particularly serious.

Legal basis:

Article 200 of the Criminal Law of People's Republic of China (PRC), if a unit commits the crimes specified in Articles 194 and 195 of this section, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and may also be fined; 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; 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 fined.

How to punish the illegal operation of bank loans

If a financial institution commits one of the acts listed in this Law, it shall be given a warning, its illegal income shall be confiscated, and it shall be imposed with a fine ranging from/kloc-0 to 5 times its illegal income. If there is no illegal income, a fine of 1 10,000 yuan but less than 500,000 yuan shall be imposed; The senior managers, other directly responsible supervisors and directly responsible personnel of financial institutions shall be given disciplinary sanctions until they are dismissed; If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or revoke its financial business license; If it constitutes the crime of illegally issuing loans to related parties, the crime of illegally issuing loans or other crimes, criminal responsibility shall be investigated according to law.

legal ground

"Measures for Punishment of Financial Violations" Article 16 When handling loan business, a financial institution shall not commit any of the following acts:

(1) Issuing credit loans to related parties;

(2) The conditions for granting secured loans to related parties are better than similar loans of other borrowers;

(3) Raising or lowering interest rates in violation of regulations and issuing loans by other improper means;

(four) other loan acts in violation of the provisions of the people's Bank of China.

If a financial institution commits one of the acts listed in the preceding paragraph, it shall be given a warning, its illegal income shall be confiscated, and it shall be fined for more than/kloc-0 and less than 5 times its illegal income. If there is no illegal income, a fine of 1 10,000 yuan but less than 500,000 yuan shall be imposed. The senior managers, other directly responsible supervisors and directly responsible personnel of financial institutions shall be given disciplinary sanctions until they are dismissed; If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or revoke its financial business license; If it constitutes the crime of illegally issuing loans to related parties, the crime of illegally issuing loans or other crimes, criminal responsibility shall be investigated according to law.

What is the latest punishment standard for the crime of illegally issuing loans?

1. A natural person who commits this crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also 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. 2. 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 above provisions on personal crime.

legal ground

Criminal law of the people's Republic of China

Article 186 Any employee of a bank or other financial institution who issues loans in violation of state regulations and the amount is huge or causes heavy losses shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he 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.

Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph.

If a unit commits the crimes mentioned in the preceding two paragraphs, 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 two paragraphs.

The scope of related parties is determined in accordance with the Law of People's Republic of China (PRC) Commercial Bank and relevant financial laws and regulations.

Bank of inner mongolia Hulunbeier Branch was fined 700,000 yuan. Why is the loan risk classification inaccurate and fined?

Because the loan is also subject to risk detection, the personal ability and personal property of the loan personnel must be reviewed in advance, and the loan can only be issued after passing the relevant audit standards.

Nowadays, commercial loans are very popular and there are various types of loans. There are long-term loans and short-term loans, and you can also choose to use real estate as collateral for loans in commercial activities such as banks. But no matter what kind of loan, banks should review the lender's personal property and repayment ability. Only through the relevant audit can the loan be officially issued, the fundamental purpose is to avoid the loss of the bank's loan amount.

Bank of inner mongolia Hulunbeier Branch was fined 700,000 yuan.

Bank of inner mongolia violated the "three checks" principle system formulated by China, and did not audit the personal assets and repayment ability of relevant personnel before lending. Therefore, China Banking Regulatory Commission decided to impose an administrative penalty of 700,000 yuan on bank of inner mongolia. The bank did not meet the relevant requirements of our country and did not do a good job in the process of loan business. Therefore, this fine is also well-founded, and there are special explicit legal provisions.

Must abide by the three inspection system.

The so-called "three checks" system refers to the qualification examination, asset examination and repayment ability examination of loan personnel when banks handle business. Only through the examination of these three aspects can we really handle the loan business. Some banks do not follow this system and hide all illegal assets through various means.

As a financial institution, banks should abide by the law.

As a national financial institution, banks represent the national financial sector to some extent. This is in this case, we must also abide by relevant laws and regulations. In social, economic and trade exchanges, we must play a leading role, and anything that violates relevant laws and regulations cannot happen. In order to avoid the credibility of the bank being questioned by the masses, it will bring great danger to the future banking work.

The introduction of loan classification punishment and loan classification punishment regulations ends here. I wonder if you found the information you need from it?