Is it illegal to use online banking to package loans?

100% fraud, using U shield online banking, you must insert U shield to log in.

Note that online banking refers to desktop systems, and mobile banking refers to mobile phone systems such as Android and Apple.

The loan only involves your application materials, not your bank account number.

There is also a binding bank fast payment, which also needs attention, especially the short message content sent by the bank. Do you want to deduct the content and don't enter the verification code at will?

It is illegal for banks to package loans with U shields. A packaged loan is a regular loan. Usually, it means that black intermediaries package and enhance customers' own credit through various illegal means, so as to borrow money from banks and other financial institutions and then earn the difference. The customer finally got only a small part, but owed a large loan to the bank. As a victim, the parties are still suspected of defrauding loans. This is against the criminal law.

Legal basis: Article 193 of the Criminal Law of People's Republic of China (PRC).

Under any of the following circumstances, whoever defrauds a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five 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; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.

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