2024/9/2 凌晨12:25 Criminal Law of the People's Republic of China Section 5 Crimes of Financial Fraud Article 192 Whoever, for the purpose of illegal possession, unlawfully raises funds by fraudulent means, if the amount involved is relatively large, shall be sentenced to fixed-term imprisonment of not less than 3 years but not more than 7 years, and concurrently, a fine. If the amount involved is large or if there are other serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 7 years or life imprisonment, and concurrently, a fine or confiscation of property. An entity committing a crime as prescribed in the preceding paragraph shall be fined, and the directly responsible persons in charge and other directly responsible persons shall be punished in accordance with the provisions in the preceding paragraph. Article 193 Whoever, for the purpose of illegal possession, commits any of the following acts to defraud a bank or any other financial institution of loans, if the amount involved is relatively large, shall be sentenced to fixed-term imprisonment of not more than 5 years or short-term custody, with a fine of not less than RMB 20,000 yuan but not more than RMB 200,000 yuan. If the amount involved is large or there are other serious circumstances, the offender shall be sentenced to fixedterm imprisonment of not less than 5 years but not more than 10 years, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan. If the amount involved is especially large or there are other especially serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan or confiscation of property: (1) fabricating a cause, such as attracting investment and introducing a project; (2) using a false economic contract; (3) using a false document of proof; (4) using a false certificate of property right as a guaranty, or repeatedly using the same property as guaranties in excess of its value; or (5) obtaining loans by any other fraudulent means. Article 194 Whoever commits fraud in relation to negotiable instruments in any of the following ways, if the amount involved is relatively large, shall be sentenced to fixed-term imprisonment of not more than 5 years or short-term custody, with a fine of not less than RMB 20,000 yuan but not more than RMB 200,000 yuan. If the amount involved is large or there are other serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan. If the amount involved is especially large or there are other especially serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan or confiscation of property: (1) knowingly using a forged or an altered bill of exchange, promissory note or cheque; en.npc.gov.cn.cdurl.cn/2020-12/26/c_921604_10.htm 10/17