Legal analysis: this huge sum of money may constitute a crime of fraud, defrauding bank loans of130,000 yuan, and should be sentenced to 3 years to 10 years in prison.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) stipulates that whoever swindles public or private property in a relatively large amount, or has other serious circumstances, shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined.