The nature of illegal bank lending is determined by the behavior itself. If it only violates the internal management system, the internal discipline department of the bank can handle it according to the management system. In case of violation of regulatory laws and regulations, the CBRC may intervene. At that time, in addition to investigating the responsibility of relevant personnel, banks may also be punished; If an act violates the criminal law, such as corruption and bribery, it may bear criminal responsibility, which is more serious.
Therefore, illegal lending depends on how to operate. Usually banks have very strict working rules and standards, and sometimes we don't understand them, so I suggest you make your behavior clear or consult a special person ~
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.