The crime of fraud (Article 266 of the Criminal Law) refers to the act of fabricating facts or concealing the truth for the purpose of illegal possession, and defrauding a large amount of public and private property. The object of the crime of fraud is not to defraud other illegal interests. Its goal should also exclude loans from financial institutions. Because this law has specifically stipulated the crime of loan fraud in article 193. Generally speaking, the basic structure of this crime is: the actor commits fraud for the purpose of illegal possession → the victim has a wrong understanding → the victim disposes of the property based on the wrong understanding → the actor obtains the property → the victim suffers property losses. There is sugar to attract customers in the form of recharging and opening members. It's not fraud