Where a bank or other financial institution obtains a loan, bill acceptance, letter of credit, letter of guarantee, etc. by fraudulent means, and is suspected of one of the following circumstances, a case shall be filed for prosecution: (1) Where a bank or other financial institution obtains a loan, bill acceptance, letter of credit, letter of guarantee, etc. by fraudulent means, and the amount is more than one million yuan; （2） Obtaining loans, bill acceptances, letters of credit, letters of guarantee, etc. by fraudulent means, causing direct economic losses of more than 200000 yuan to banks or other financial institutions; （3） Although the above amount standards are not met, the bank has repeatedly obtained loans, bill acceptances, letters of credit, letters of guarantee, etc. by fraudulent means; （4） Other circumstances that cause heavy losses to banks or other financial institutions or have other serious circumstances.
Legal basis:
Article 27 of the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Criteria for the Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (II) [Cases of defrauding loans, bill acceptances, and financial bills (Article 175-1 of the Criminal Law)] Obtaining loans, bill acceptances, letters of credit, letters of guarantee, etc. from banks or other financial institutions by fraudulent means is suspected of one of the following circumstances:, The case should be filed for prosecution:
（1） Obtaining a loan, bill acceptance, letter of credit, letter of guarantee, etc. by deception, with an amount of more than one million yuan;
（2） Obtaining loans, bill acceptances, letters of credit, letters of guarantee, etc. by fraudulent means, causing direct economic losses of more than 200000 yuan to banks or other financial institutions;
（3） Although the above amount standards are not met, the bank has repeatedly obtained loans, bill acceptances, letters of credit, letters of guarantee, etc. by fraudulent means;
（4） Other circumstances that cause heavy losses to banks or other financial institutions or have other serious circumstances.
