If a car loan contract meets any of the following circumstances, it shall be deemed as fraud: (1) Fictitious units or signing contracts in the name of others. (2) Using forged, altered or invalid bills or other false certificates of property rights as collateral. (3) Deceiving the other party to continue to sign and perform the contract by first performing the small contract or partially performing the contract without actual performance ability. (4) fleeing after receiving the goods, payment, advance payment or secured property paid by the other party. (5) defrauding the other party's property by other means.

legal ground

Article 224 of the Criminal Code of People's Republic of China (PRC).

Under any of the following circumstances, it constitutes the crime of contract fraud. In the process of signing and performing a contract, the other party is defrauded of property for the purpose of illegal possession. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall 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) Fictitious units or signing contracts under the name of 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.