The crime of loan fraud with false information refers to the crime of using false information and certificates to defraud financial services such as loans, guarantees, acceptances, and credit cards. The criteria for filing a case mainly include two aspects: first, the defendant is required to have a clear intention to defraud; second, the false information and certificates used by the defendant must be sufficient to defraud financial institutions.

The crime of loan fraud with false information refers to the act of using false information, certificates, etc. to defraud financial services such as loans, guarantees, acceptances, credit cards, etc. in the financial field. It is a financial crime. The criteria for filing a case mainly include two aspects: First, the defendant must have obvious intention to defraud. Specifically, the defendant needs to be clear about the unfairness of his behavior when using false information, certificates, etc. to defraud financial services, rather than using false information for legitimate reasons, such as to avoid taxes or circumvent legal restrictions. Secondly, the false information and certificates used by the defendant must be sufficient to defraud financial institutions. This requires reviewing the testimony, documents, information, etc. related to financial institutions in the case materials to determine whether the false materials used by the defendant are sufficient to deceive financial institutions and thereby achieve the purpose of illegal profit-making. It should be pointed out that the standards for filing a case are not static, and the specific judgment needs to be analyzed based on the specific circumstances of the case and relevant laws and regulations.

If the defendant only provided information that was inconsistent with the true situation, but did not obtain a loan or other financial services, would this constitute the crime of loan fraud with false information? Legally, even if the defendant only provides false information but does not obtain any financial services, it may still constitute the crime of loan fraud with false information. Because this behavior has been suspected of defrauding financial institutions, such cases do exist in practice. The details should be investigated and judged by the public security organs.

The crime of loan fraud with false information is a crime involving the financial field. It must have obvious intention to defraud and use false materials that are enough to deceive financial institutions. The standards for filing a case are not static and need to be analyzed based on the circumstances of the specific case. Providing false information may constitute this offense even if no financial services are obtained.

Legal basis:

Article 263 of the Criminal Law of the People's Republic of China and the People's Republic of China: Using false materials to defraud loans, bill discounts, guarantees, acceptances, credit cards or For other financial services, if the amount is relatively large or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or solely be fined.