1.客体要件

1. Object requirements

犯罪客体：是国家的金融管理秩序和**或其他金融机构的贷款、票据承兑、信用证、保函等的安全。这里的“**”，包括中国人民**和各类商业**。“其他金融机构”，是指除**以外的各种开展金融业务的机构，如证券、保险、期货、外汇、融资租赁、信托投资公司等。这里的“安全”，是指骗贷行为使**或其他金融机构的这些资产与正常贷款相比处于相对不安全状态，不利于**的风险防范。

The object of crime is the national financial management order and the security of loans, bill acceptances, letters of credit, letters of guarantee, etc. of banks or other financial institutions. The "banks" here include the People's Bank of China and various commercial banks. "Other financial institutions" refer to various institutions other than banks that carry out financial business, such as securities, insurance, futures, foreign exchange, financial leasing, trust and investment companies, etc. The "security" here refers to the fact that these assets of banks or other financial institutions are in a relatively unsafe state compared with normal loans, which is not conducive to the risk prevention of banks.

2.客观要件

2. Objective elements

客观方面：在向**申办贷款的过程中采取了欺骗手段。只要行为人在申请贷款的过程中有虚构事实、掩盖真相的情节，或者在申请贷款过程中，提供了假证明、假材料，或者不如实填写贷款资金真实用途，以骗得贷款的顺利审批的，都属于“欺骗手段”。

Objective aspect: In the process of applying for loans from banks, fraudulent means were adopted. As long as the actor makes up facts and covers up the truth in the process of applying for loans, or provides false certificates and materials in the process of applying for loans, or does not fill in the true purpose of loan funds truthfully, in order to cheat the **ooth approval of loans, it belongs to "fraudulent means".

3.主体要件

3. Main elements

犯罪主体：通常是贷款人，但若担保人、**职员等帮助贷款人出谋划策，掩盖真相、提供虚假材料等的，也可能构成本罪的共犯。

Criminal subject: usually the lender, but if the guarantor, bank staff, etc. help the lender to make suggestions, cover up the truth, provide false materials, etc., it may also constitute an accomplice of this crime.