Legal analysis: commercial banks, stock exchanges, futures exchanges, securities companies, futures brokerage companies, insurance companies and other financial institutions violate their fiduciary obligations and use customers' funds or other entrusted or entrusted property without authorization. If the circumstances are serious, they will be fined, and the directly responsible person in charge and other directly responsible personnel will be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and a fine of not less than 30,000 yuan but not more than 300,000 yuan will also be imposed; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three 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.

Legal basis: Article 185 of the Criminal Law of People's Republic of China (PRC). Staff members of commercial banks, stock exchanges, futures exchanges, securities companies, futures brokerage companies, insurance companies or other financial institutions who take advantage of their positions to misappropriate the funds of their own units or clients shall be convicted and punished in accordance with the provisions of Article 272 of this Law. Staff members of state-owned commercial banks, stock exchanges, futures exchanges, securities companies, futures brokerage companies, insurance companies or other state-owned financial institutions, and personnel assigned by state-owned commercial banks, stock exchanges, securities companies, futures brokerage companies, insurance companies or other state-owned financial institutions to engage in public service in non-state-owned institutions specified in the preceding paragraph shall be convicted and punished in accordance with the provisions of Article 384 of this Law.