Refers to providing false certificates and identity certificates and submitting false information loans to banks.
Second, is it illegal to make false information in bank loans?
Legal analysis: it is illegal. According to the relevant laws and regulations, for the purpose of illegal possession, if the amount is relatively large, a fine of not more than five years but not more than 200,000 yuan shall be imposed. It is illegal to apply for a loan by making false information.
According to Article 193 of the Criminal Law, whoever borrows a large amount from a bank or other financial institution shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 20,000 yuan, or there are other serious circumstances, and shall also be fined not less than five years but not more than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) Taking false proof of property rights as collateral or repeatedly defrauding loans exceeding the value of collateral.
Third, the crime of using false information to defraud bank loans.
Subjectivity of law: it is the act of using false contracts to lend money to banks. If the loan amount is more than 20,000, it constitutes a crime of lending, and criminal responsibility will be investigated and sentencing will be imposed. Article 193 of the Criminal Law of People's Republic of China (PRC), in any of the following circumstances, if a large amount of loans are granted to banks or other financial institutions for the purpose of illegal possession, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Loans in other ways.
Legal objectivity: Article 193 of the Criminal Law has one of the following circumstances: whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Loans in other ways.
4. What is an impostor loan?
An impostor loan refers to an impostor applying for a loan from a bank in the name of another person. Of course, impostors will use other people's personal data to apply to the bank. This kind of loan is very risky, because the impostor often can't repay it, which makes the bank have bad debts.