Article 186 of the Criminal Law. According to a query on Hualv.com, it was learned that the loan was issued in reverse procedures if the loan management was not in place. The legal basis was Article 186 of the Criminal Law. According to this article, employees of banks or other financial institutions who violate national regulations and issue loans in huge amounts or cause heavy losses will be subject to criminal penalties. The parties concerned may complain to the Banking Regulatory Bureau and report the bank's illegal lending practices.