Received a threat alert message.

If you don't apply for a loan on the personal microfinance software and receive a text message, it may be a scam. I suggest you be vigilant, don't transfer money to any unknown person and call the police in time. If the public security organ refuses to accept the case, or fails to settle the case within the time limit, the victim may report the situation to the procuratorate or file a criminal private prosecution with the people's court.

Legal analysis

As long as there is fraud, you can report it to the public security organ in time. As long as there are illegal and criminal acts of fraud, the amount can be reported to the police, and as long as there are fraudulent acts, the public security organs can file a case.

Fraud is an illegal and criminal act. According to the relevant provisions of the Criminal Law of People's Republic of China (PRC), cheating others and defrauding others' money for the purpose of possessing others' finances may be suspected of fraud and will be punished. If a natural person is defrauded by others, he shall lock the evidence from the day he knows or should know and report the case in time. The law has no clear limit on the time limit of alarm after being defrauded, and there is no minimum limit on the amount of fraud.

According to Article 1 of the Supreme People's Court's Interpretation on Several Issues Concerning the Specific Application of Law in the Trial of Fraud Cases, if the amount of fraud reaches more than 2,000 yuan, that is, the amount is relatively large, criminal proceedings can be initiated, which meets the final standard of fraud and will be punished.

legal ground

Article 87 of the Criminal Law of People's Republic of China (PRC) shall not be prosecuted beyond the following time limit: (1) If the statutory maximum penalty is less than five years of fixed-term imprisonment, after five years; (2) The statutory maximum penalty is fixed-term imprisonment of not less than five years but not more than ten years; (3) Fifteen years if the statutory maximum penalty is fixed-term imprisonment of not less than ten years; (4) Twenty years have passed if the maximum legal punishment is life imprisonment or death penalty. If it is deemed necessary to prosecute after 20 years, it shall be submitted to the Supreme People's Procuratorate for approval.

Article 266 of the Criminal Law of People's Republic of China (PRC) shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 or confiscated. Where there are other provisions in this Law, such provisions shall prevail.