Legal analysis: online loan shows that the loan has been released, the funds have not arrived, and the payment is mandatory, telling you that the account number is frozen or wrong, and the deposit needs to be unfrozen, and the withdrawal can only be made after the membership is opened. This is the basic means of conventional loans. The electronic contract on the online loan stipulates that you need to pay the upfront fees (withdrawal fee, membership fee, deposit, production fee, running water, etc.), but you pay one after another. As long as you say that you don't pay back or loan, the customer service of the other party will say that you signed the contract. Even if you don't pay back, you have to pay back the loan and bear the liability for breach of contract. If this is the case, there is likely to be fraud.

Legal basis: People's Republic of China (PRC) Criminal Law.

Article 266 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 solely be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also 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.

Article 192 Whoever illegally raises funds by fraudulent means for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than seven years or life imprisonment and shall also be fined or confiscated.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.