L, the boundaries between fraud and lending behavior. For some reason, if the borrower fails to pay back for a long time, or fabricates a lie or conceals the truth to defraud the money and materials, and cannot repay them at maturity, as long as there is no purpose of illegal possession, no profligacy, no breach of contract, no fraud or deception, and there is a real intention to repay them, it still belongs to a loan dispute and does not constitute a crime of fraud. 2. The boundary between the crime of fraud and the act of defaulting on payment on behalf of others. In the name of buying goods in short supply on behalf of others, taking the payment without buying anything, misappropriating the payment without authorization, defaulting on repayment, etc., we should focus on its real purpose, the relationship between the two parties, the cause of the incident, the specific behavior of the agent, the plot and consequences of breach of contract, and correctly judge whether it has the intention of illegal possession. If you can obviously want to buy it, but you still want to return it because you can't buy it for misappropriation, you can't be punished as fraud. Anyone who swindles in the name of purchase, defrauds a large amount of property, squanders money, has no intention to return it at all, and is unable to return it, should be punished as fraud.