According to the inquiry of relevant information, the loan beyond the limitation of action cannot be convicted of loan fraud. According to Article 193 of the Criminal Law of People's Republic of China (PRC), the crime of loan fraud is divided into the following points:

1, defrauding loans by other means. Loans that exceed the limitation of action do not belong to the crime of loan fraud

2. Using false economic contracts,

3. Using false documents,

4. Using false proof of property rights as a guarantee or repeatedly guaranteeing beyond the value of collateral,

5. Fabricating false reasons such as introducing funds and projects, so loans that exceed the limitation of action cannot be convicted of loan fraud.