1. Article 175-1 of the Criminal Law shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined. Obtaining funds from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances.
2. Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
3. Article 193 of the Criminal Law Whoever defrauds a bank or other financial institution of loans 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.
4. 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 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
：
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans and interest subsidies? A general term for borrowing funds such as overdraft. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.