Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC): Whoever defrauds public or private property in a relatively large amount 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. 1, private lending, using the victim's ignorance of loan knowledge, signed a loan contract with the victim. In fact, the contract is illegal. They defrauded the victim to sign a "inflated loan contract", "yin-yang contract" and "real estate mortgage contract" in various names such as "liquidated damages" and "security deposit", which is obviously unfavorable to the victim. 2. Forge vouchers. Some criminals will create false bank statements and payment certificates, so that borrowers will think that they have obtained the illusion of all the money borrowed in the contract. 3. unilaterally arbitrarily determine the victim's breach of contract and require the victim to repay the "inflated loan" immediately. 4. Inducing loans, pretending to be a company or an individual when the borrower is unable to repay, so that the borrower can re-sign a higher loan contract. 5. Blackmail, threaten or intimidate the borrower, forge false litigation, and realize the purpose of occupying the property of the victim or his near relatives.