1. There is no collection business in the regular business of the bank.

2. The general purpose of payment collection business is to defraud loans, and fraudsters apply for loans in the name of being cheated. After getting the loan, if you are cheated in form, you can get some money, but a large part of the loan is used by the liar, and all the loans need to be borne by the liar.

3. There is often a term "exemption agreement" in back-account fraud, which is actually an invalid agreement.

Extended data:

The crime of loan fraud refers to the behavior of an actor who, for the purpose of illegal possession, makes a bank or other financial institution in a relative position with its financial transactions fall into misunderstanding or continue to misunderstand, thus automatically delivering a large amount of loans to the actor or a third person designated by him, which mainly violates the credit order and the ownership of public and private property, and violates the criminal law and should bear criminal responsibility.

In China, the discussion on the special criminal conviction of loan fraud started from the background of economic crime. The transformation of economic system and the expansion of social and economic activities, especially the formation of modern financial system, are inevitably accompanied by a large number of anomie phenomena in the process of establishing the required norms, and a large number of loan fraud is a typical example.

These behaviors seriously disrupt the normal financial order and undermine the social credit mechanism as one of the foundations of the socialist market economy. As Mr. Chen Xingliang said: "Criminal law is produced to meet the needs of society." In this case, it is necessary to regulate the crime of loan fraud by criminal law. Therefore, article 1997 of the criminal law stipulates the crime of loan fraud.

According to article 193, the crime of loan fraud refers to the behavior of the perpetrator who, for the purpose of illegal possession, leads the bank or other financial institution in a position opposite to its financial transaction to misunderstand or continue to misunderstand, thus automatically delivering a large amount of loans to the perpetrator or a third person designated by him, which mainly violates the credit order and the ownership of public and private property, and violates the criminal law and should bear criminal responsibility.

Whoever fabricates facts or conceals the truth and obtains credit funds from banks or other financial institutions, 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.

References:

Baidu encyclopedia bank swindles loans.