1, simple bank debt is a civil dispute and will not be sentenced.
2. Fraudulent bank loans constitute the crime of fraudulent loans. The crime of defrauding loans refers to the act of obtaining loans from banks or other financial institutions by deception, which causes heavy losses to banks or other financial institutions or has other serious circumstances. The statutory punishment for this crime is fixed-term imprisonment of not more than three years or criminal detention, and a fine or a single fine.