Online lending is not fraud, but also depends on whether you want to illegally possess it when you borrow it, or whether you are unable to repay it because of the change of repayment ability after lending. No matter what kind of loan, if you don't repay it or know that you are unable to repay it, it may constitute a crime of fraud, but the specific amount should also depend on the amount and attitude. Therefore, the amount of online loans cannot be regarded as one.

Legal objectivity:

Provisions on the standards for filing and prosecuting criminal cases under the jurisdiction of public security organs (2) Article 27 Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. Whoever obtains a loan from a bank or other financial institution by deception shall file a case for prosecution if he is suspected of any of the following circumstances: (1) Obtaining a loan, bill acceptance, letter of credit, letter of guarantee, etc. By deception, the amount is more than one million yuan; (2) Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. by fraudulent means, causing direct economic losses of more than 200,000 yuan to banks or other financial institutions; (3) Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. Take fraudulent means for many times, although it does not meet the above-mentioned amount standard; (4) Other circumstances that cause heavy losses to banks or other financial institutions or have other serious circumstances.