If the amount of illegally issued loans is huge or causes heavy losses, 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 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he 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. According to the law, employees of banks or other financial institutions who issue loans in violation of state regulations, and 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 especially heavy losses are caused, he 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. Staff of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the regulations.
Professional lenders file a case with the Public Security Bureau. The standard for professional lenders is: 1, which is subject to more than 20 lawsuits filed by the same or related plaintiff in the grass-roots courts and more than 30 lawsuits filed in the intermediate people's courts for three consecutive years; 2. In the same year, the same or related plaintiffs sued 10 in the grass-roots courts and 15 in the intermediate people's courts; 3. In the same year, the same or related plaintiff sued 5 pieces of private loans exceeding 6,543,800 yuan in the Intermediate People's Court. Staff of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the regulations. Professional lenders do not break the law and will not be sentenced at present. China's "People's Republic of China (PRC) Criminal Law" or "People's Republic of China (PRC) Public Security Administration Punishment Law" has not punished them for the time being, which means usury is not a crime. Legal consequences of professional lenders 1. Whoever constitutes the crime of lending at high interest shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 186 of the Criminal Code of People's Republic of China (PRC).
Crime of illegally issuing loans: staff of banks or other financial institutions who issue loans in violation of state regulations and the amount is huge or cause heavy losses shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he 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. Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph. If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs. The scope of related parties is determined in accordance with the Law of People's Republic of China (PRC) Commercial Bank and relevant financial laws and regulations.
Article 175 of the Criminal Law of People's Republic of China (PRC)
Crime of lending at high interest; For the crime of defrauding loans, bill acceptance and financial bills, whoever, for the purpose of lending, extorts credit funds from financial institutions and lends them to others at high interest, if the amount of illegal income is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income. Where a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.