Legal subjectivity:

Failure to repay the car loan does not constitute fraud. Fraud is the act of defrauding public or private property by fabricating facts or concealing the truth for the purpose of illegal possession. If the car loan is not paid, there is no subjective purpose of illegal possession, and it does not constitute fraud. The law is objective:

"Criminal Law of the People's Republic of China"

Article 266

Whoever defrauds public or private property and the amount is relatively large, The person shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely 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 and not more than ten years, and shall also be fined; p>

If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail.

"Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Fraud"

Article 1

Three Values ??of Fraudulent Public and Private Property Amounts ranging from 1,000 yuan to 10,000 yuan, 30,000 yuan to 100,000 yuan or more, and 500,000 yuan or more shall be deemed as “relative amounts” and “huge amounts” as stipulated in Article 266 of the Criminal Law respectively. , "The amount is particularly huge."