If the amount is large, the limitation period for loan prosecution is five years; If the amount is huge or there are other serious circumstances, the limitation period for loan prosecution is ten years; If the amount is especially huge or there are other particularly serious circumstances, the limitation period for loan prosecution is 20 years.

legal ground

Article 87 of the Criminal Law of People's Republic of China (PRC)

After the following time limit, the crime will not be prosecuted:

(1) Five years have passed if the statutory maximum penalty is less than five years of fixed-term imprisonment;

(2) Ten years if the statutory maximum penalty is fixed-term imprisonment of not less than five years but not more than ten years;

(3) Fifteen years if the statutory maximum penalty is fixed-term imprisonment of not less than ten years;

(4) Twenty years have passed if the maximum legal punishment is life imprisonment or death penalty.

Article 193

Under any of the following circumstances, whoever defrauds a bank or other financial institution 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 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) fabricating false reasons such as introducing funds and projects;

(5) obtaining loans by other means.