Are loans for packaging companies reliable?

Packaging loan is a kind of loan that walks in the gray area, but this behavior is essentially illegal, because basically everything that needs to be packaged is problematic, and you use packaging to The loan obtained is likely to constitute fraud.

Let’s first talk about what a packaging loan is. The so-called packaging loan means that an individual provides some basic materials, a so-called packaging company optimizes the materials, and then uses these packaged materials to apply for a loan.

Some people say that this packaging is just an optimization of the materials needed by the bank, which is essentially legal, but this is just a superficial statement. The real situation must be that you have come to the packaging company. It can be seen that there are some problems with your material itself.

In order to successfully obtain loans, most packaging companies will beautify the materials, and some even simply forge the materials. They have only one purpose, to achieve the loan through these forged various data and materials. Purpose.

If forged materials are used to achieve the purpose of lending, this may constitute the crime of loan fraud;

The crime of loan fraud involves one of the following circumstances, with the purpose of illegal possession, Whoever defrauds a bank or other financial institution of loans, and 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 not less than five years and not more than 10 years of imprisonment. to a fixed-term imprisonment of not more than 10 years and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to not less than 10 years in prison or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property:

(1) Fabricating false reasons for introducing funds, projects, etc.;

(2) Using false economic contracts;

( 3) Using false certification documents;

(4) Using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral;

(5) Using other methods to defraud loans of.

You need to be careful when taking out a loan, and never make any fraud, especially do not easily trust the promises of third parties. If something goes wrong, you will be responsible for it yourself.