专业团队

(一)五年以下有期徒刑、拘役量刑

贷款诈骗1万元以上不满1.4万元的，基准刑为拘役刑;1.4万元的，基准刑为有期徒刑六个月;每增加600元，刑期增加一个月。

(二)五年以上十年以下有期徒刑量刑

1、贷款诈骗4万元以上不足5万元，具有下列情形之一的，认定有“其他严重情节”.贷款诈骗4万元的，基准刑为有期徒刑五年;每增加800元，刑期增加一个月;每增加情形之一，刑期增加六个月：

⑴为骗取贷款，向银行或金融机构工作人员行贿，数额较大的;

⑵挥霍贷款或者用贷款进行违法活动，致使贷款到期无法偿还的

;⑶隐匿贷款去向，贷款期限届满后，拒不偿还的;

⑷提供虚假担保申请贷款，贷款期限届满后，拒不偿还的;

⑸假冒他人名义申请贷款，贷款期限届满后，拒不偿还的。

2、贷款诈骗5万元的，基准刑为有期徒刑五年;每增加3500元，刑期增加一个月;每增加第一项规定情形之一，刑期增加六个月。

(三)十年以上有期徒刑量刑

1、贷款诈骗16万元以上不足20万元，具有下列情形之一的，认定有“其他特别严重情节”.贷款诈骗16万元的，基准刑为有期徒刑十年;每增加4000元，刑期增加一个月;每增加情形之一，刑期增加一年：

⑴为骗取贷款，向银行或金融机构工作人员行贿，数额巨大的;

⑵携带贷款逃跑的;

⑶使用贷款进行犯罪活动的。

2、贷款诈骗20万元的，基准刑为有期徒刑十年;每增加1万元，刑期增加一个月;每增加前项情形之一，刑期增加一年。

（1） Sentencing of imprisonment for up to five years, criminal detention, and sentencing

For loan fraud of more than 10000 yuan but less than 14000 yuan, the benchmark punishment shall be detention; For a fine of 14000 yuan, the benchmark sentence is six months' imprisonment; For every 600 yuan increase, the sentence will be increased by one month.

（2） Sentencing of fixed-term imprisonment of not less than five years but not more than ten years

1. If a loan fraud exceeds 40000 yuan but is less than 50000 yuan and falls under one of the following circumstances, it shall be deemed to have "other serious circumstances". For a loan fraud of 40000 yuan, the basic punishment shall be five years imprisonment; For every 800 yuan increase, the sentence will be increased by one month; For each additional circumstance, the sentence will be increased by six months:

(1) Bribery to bank or financial institution staff for the purpose of obtaining loans, with a relatively large amount;

(2) squandering loans or engaging in illegal activities with loans, resulting in the inability to repay the loan upon maturity

⑶ Hiding the whereabouts of the loan and refusing to repay it after the loan term expires;

(4) Providing false guarantees to apply for loans, but refusing to repay after the loan term expires;

(5) Those who apply for loans in the name of others but refuse to repay them after the loan term expires.

2. For loan fraud of 50000 yuan, the benchmark sentence is five years imprisonment; For every 3500 yuan increase, the sentence will be increased by one month; For each additional provision, the sentence will be increased by six months.

（3） Sentencing with imprisonment of more than ten years

1. If a loan fraud exceeds 160000 yuan but is less than 200000 yuan and falls under one of the following circumstances, it shall be deemed that there are "other particularly serious circumstances". For a loan fraud of 160000 yuan, the benchmark sentence shall be ten years imprisonment; For every 4000 yuan increase, the sentence will be increased by one month; For each additional circumstance, the sentence shall be increased by one year:

(1) Bribery to bank or financial institution staff for the purpose of obtaining loans, with a huge amount;

(2) Those who flee with loans;

Using loans for criminal activities.