How many years can you get for sending messages to people nearby by impersonating a bank employee?

1. The crime of fraud (Article 266 of the Criminal Law of People's Republic of China (PRC)) refers to the act of fabricating facts or concealing the truth for the purpose of illegal possession, and defrauding a large amount of public or private property. The object of the crime of fraud is limited to the property of the state, the collective or the individual, and no other illegal interests may be defrauded. Its goal should also exclude loans from financial institutions. Because this law has specifically stipulated the crime of loan fraud in article 193.

Second, the sentencing standards for loan fraud:

Article 193 Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession under any of the following circumstances, 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 especially 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 confiscated property:

(a) 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.

The so-called serious circumstances refer to the huge amount or other serious circumstances. Among them, the amount is huge. According to the relevant judicial interpretation, it refers to the loan fraud amount of more than 6,543,800 yuan. Other serious circumstances refer to any of the following circumstances:

(1) paying a large amount of bribes to the staff of a bank or financial institution in order to defraud loans;

(two) squandering loans, or using loans for illegal activities, resulting in loans that cannot be repaid when they expire;

(three) concealing the whereabouts of the loan and refusing to repay it after the expiration of the loan period;

(four) to apply for a loan by providing false guarantee, and refuse to repay it after the expiration of the loan period;

(five) to apply for a loan in the name of others, and refuse to repay the loan after the expiration of the loan period.

The so-called circumstances are particularly serious, which means that the amount of fraudulent loans is particularly huge or there are other particularly serious circumstances. According to the explanation, the former means that the amount is extremely huge, that is, the amount of loan fraud is more than 200,000 yuan. The latter is other particularly serious circumstances, which refers to one of the following circumstances:

(1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, with a huge amount;

(2) absconding with money;

(three) the use of loans for criminal activities.