Mainly depends on whether friends have returned it. If the loan is not repaid, it should be analyzed in detail. If it is because it is unable to repay, it is a civil dispute and does not constitute fraud. If you have the ability to repay, you may be suspected of fraud. Therefore, it is necessary to analyze the specific problems, and determine whether the people at that time meet the provisions of the crime of fraud stipulated in China's criminal law according to the actual repayment ability of the people at that time and the reasons why the parties do not repay.

Fraud refers to the act of defrauding a large amount of public and private property by fabricating facts or concealing the truth for the purpose of illegal possession.

The penalties for the amount of fraud are as follows:

1, the amount of fraud is less than 4000 yuan, which is a fine;

2, more than 4000 yuan but less than 5000 yuan, for public surveillance;

3, 5,000 yuan, three months of criminal detention, each increase of 1670 yuan, the sentence is increased by one month;

4. 10000 yuan, six months' imprisonment, and for every increase of 1000 yuan, the sentence will be increased by one month.

What if you don't pay back the money you owe?

Solutions to outstanding debts: reconciliation, mediation, arbitration and litigation. According to relevant laws and regulations, a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. If the borrower fails to repay the loan as agreed, the other party may claim to terminate the contract through conciliation, mediation, arbitration and litigation, and request to bear the corresponding liability for breach of contract.

Legal basis:

Criminal law of the people's Republic of China

Article 224

Under any of the following circumstances, if the amount involved is relatively large in the process of signing and performing a contract for the purpose of illegal possession, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention 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:

(1) Signing a contract in the name of a fictitious unit or others;

(2) Mortgaging with forged, altered or invalid bills or other false property rights certificates;

(three) to perform a small contract or part of the contract first, to deceive the other party to continue to sign and perform the contract, and to have no actual performance ability;

(4) After receiving the payment for goods, advance payment or secured property paid by the other party;

(5) defrauding the other party's property by other means.