I don't know what's going on recently, but there's always a call from the number 02 1- in Shanghai, saying that they owe money on the loan.

02 1 is a telephone number belonging to Shanghai, which should be carefully screened according to the telephone content. Be wary of telephone numbers such as winning prizes, loans, and lawsuits. Most of them are fraudulent phone calls. It is recommended to report them through the report center 1232 1. There are many fraudulent phone calls at the beginning of 02 1 in Shanghai, so it is difficult to give examples here. If someone pretends to be a teacher, public security, court, administrator, white-collar worker, beauty, monk, etc. And ask you to scare you for some reason, and then ask you to make money, it should be fraud.

Identification of fraud:

1, and the boundary of lending behavior.

If the borrower is in arrears for a long time for some reason, or fabricates a lie or conceals the truth to defraud money and materials, it can't be repaid at maturity, as long as there is no purpose of illegal possession, no profligacy or deception, and it really means repayment; There are also some people who forge repayment vouchers and lie that they have repaid their debts after they have owed them. This is still a loan dispute and does not constitute fraud.

2, the boundaries of debt evasion due to losses.

If it is indeed a fund-raising enterprise, but because of poor management, loss of debt, going out to avoid debt, or property debt disputes. This is essentially different from fraudsters who abscond with money for the purpose of illegal possession in the name of raising funds to run enterprises.

3, and the boundaries of fraud.

Both use deception, and the latter may also obtain property benefits, which are the same; But the subjective purpose, criminal means, the amount of property and the object of infringement are all different. The crime of swindling and cheating is a swindling and cheating act aimed at defrauding all kinds of illegal interests, pretending to be a state functionary, and damaging the prestige of state organs, social public interests or citizens' legitimate rights and interests. The fraud not only includes property (but not limited to the amount), but also includes work, position, honor, etc., which belongs to the crime of disturbing social management order. Criminals impersonate state functionaries to defraud public and private property, which infringes on property rights and damages the prestige and normal activities of state organs. They are implicated offenders, and should be charged according to the main object and main harmfulness of the act and given a heavier punishment. If the amount of defrauding property is not large, but the prestige of state organs is seriously damaged, it should be punished as the crime of swindling and cheating; Otherwise, it is defined as fraud. If two kinds of objects seriously infringe, they are generally treated as fraud according to the principle of one felony. Two kinds of crimes have been committed independently, and if they are not related to each other, they shall be dealt with according to the principle of combined punishment for several crimes.