Yangxin Bank is suspected of fraudulently obtaining 249 million yuan in loans. What responsibilities do the bank's internal staff bear? | Lawyer Li Yusheng explains.

News Summary

According to a report by FTV News, a former manager of the Guting branch of Yangshin Bank and others are suspected of colluding with businesses to embellish financial statements and overstate collateral between 2019 and 2020, involving two loans totaling NT$249 million. On October 6, 2026, prosecutors searched and questioned relevant individuals, and a well-known wedding dress company is also involved in the investigation. The above information pertains to ongoing criminal suspicion and does not constitute a confirmed guilty verdict.

Lawyer Li Yusheng explains

In a press release, Attorney Li Yusheng of Fidelity Law Firm explained that applying for a loan with false information may involve fraud, breach of trust, and document offenses; if bank employees intentionally violate their duties and cause damage to the bank, they may be involved in special breach of trust under banking law. The actual applicable charges should be determined based on each individual's identity, the actions taken, and their subjective understanding.

According to Article 125-2 of the Banking Act, special breach of trust by a bank officer or employee requires the following elements: intent to gain illegal benefits or harm the bank's interests, breach of duty, and damage. The basic penalty is three to ten years; if the property or property benefits obtained through the crime exceed NT$100 million, there is an additional provision for a penalty of seven years or more. The scope of the criminal benefits and the individual's responsibility cannot be determined solely based on the total loan amount reported in the news.

ClarifyCriminal liability for loan fraud casesWhen investigating a case, one should compare the loan application documents, valuation basis, credit approval, fund flow and transaction information to distinguish between general credit risks, oversight negligence, and knowingly cooperating with false information. Those involved should preserve complete original documents and respond to questioning according to law; they should not retroactively create or alter documents or coordinate statements with others.

---

Fuda Law Firm
Address: 17th Floor, No. 180, Section 2, Dunhua South Road, Da'an District, Taipei Taiwan 106
Tel:02-7709-3611
Line：@fdlaw
Facebook:FDLAW
website:https://fdlaw.com.tw/
e-mail:info@fdlaw.com.tw