The crime of fraudulently obtaining loans refers to the act of obtaining loans from banks or other financial institutions by deceptive means, causing heavy losses to banks or other financial institutions, or having other serious circumstances.

Methods for identifying fraudulent loan activities: This is a qualitative issue regarding crimes committed by special subjects. Although the criminal subject of the crime of loan fraud is a general subject, if it is a staff member of a bank or other financial institution who takes advantage of his position to defraud another person's name or a fictitious name to obtain a loan, he cannot be convicted and punished for the crime of loan fraud.

In practice, there are mainly three types of fake loans: "loans under the same name", "loans under false names", "loans under stolen names" and "loans under false names".

If staff of a bank or other financial institution obtains a loan by using the above-mentioned deceptive means and illegally possesses or misappropriates the loan for other purposes, they shall be prosecuted according to the criminal law's provisions of corruption, official embezzlement or misappropriation of public funds respectively. Convicted and punished according to the provisions of crime and misappropriation of funds.