Legal basis: Article 186 of the Criminal Law of People's Republic of China (PRC) stipulates that employees of banks or other financial institutions who issue loans in violation of state regulations, if the amount is huge or causes heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; if the amount is especially huge or causes particularly heavy losses, they shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan.
Article 42 of the Law of People's Republic of China (PRC) Commercial Bank * * * Banks or other financial institutions and their staff who issue loans in violation of the provisions of the state shall file a case for prosecution if they are suspected of any of the following circumstances:
(a) illegal loans, the amount of more than one million yuan (2) illegal loans, resulting in direct economic losses of more than two hundred thousand yuan.