1. Misappropriating the mortgage loan of an automobile dealer is a crime of misappropriating funds.
According to the provisions of Article 272 of the Criminal Law of People's Republic of China (PRC), the crime of misappropriating funds refers to the behavior of employees of companies, enterprises or other units who use their positions to misappropriate their own funds for personal use or lend them to others. If the amount is large and has not been paid back for more than three months, it shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention; Or if it is not more than three months, but the amount is relatively large, profit-making activities or illegal activities are carried out, or if the amount is relatively large, it will not be returned, and it will be sentenced to fixed-term imprisonment of not less than three years but not more than ten years.
Subjectively, this crime can only be intentional, that is, the perpetrator knowingly misappropriates and lends other people's funds and takes advantage of his position, but still deliberately does it. Misappropriation of other people's funds can be divided into general violations of law and discipline and misappropriation of other people's funds. Distinguish the boundaries between the two.
Second, what should I do if I misappropriate the car dealer's mortgage loan?
The best way now is to find someone to borrow money, or sell a house or a car, and quickly collect the money and return it before the car dealer and your company find out. If found, ask the other party for forgiveness as much as possible and pay back the money as soon as possible. Even if the other party sues, you can reduce some guilt and avoid being sentenced. Because you did it on purpose, once you are investigated, your guilt cannot escape, so make up for it now.
In a word, I suggest that you never do anything illegal, and don't use the convenience of your work for your own personal gain, otherwise you will bear legal responsibility.