Yang Shi Wang·2025-07-19 13:25Core Viewpoint - The article highlights the rise of illegal financial intermediaries and a specific scam known as "packaged loans," which has led to the creation of "professional debtors" who are unable to repay their debts [1][30]. Group 1: Overview of "Packaged Loans" - "Packaged loans" involve illegal loan intermediaries fabricating employment, packaging assets, and falsifying financial records to secure loans for individuals who do not meet bank lending criteria [1][30]. - A case study of a villager, Huang Mouli, illustrates how he was turned into a "professional debtor" through this scheme, accumulating debts totaling 482,000 yuan from multiple banks [1][30]. Group 2: Mechanism of the Scam - Huang Mouli was approached by a loan intermediary who promised him an 800,000 yuan loan, with the understanding that he would not have to repay it [3][30]. - The intermediary facilitated the creation of a false credit report indicating that Huang was a "white household" with no credit history, making it easier to secure loans [5][30]. - A real estate investor was involved in inflating property prices to help Huang secure larger loans, with the intermediary taking a significant cut of the loan amount [7][30]. Group 3: Bank Involvement and Oversight Failures - The article reveals that banks failed to conduct proper due diligence, as they accepted falsified employment and income documents without verification [12][30]. - Huang's loan applications included fabricated salary statements and fake employment verification, which were not adequately scrutinized by bank staff [20][30]. - The lack of stringent checks allowed Huang to secure multiple loans, despite having no repayment capacity [30]. Group 4: Broader Implications - The article notes that Huang is not an isolated case; many individuals have fallen victim to similar scams, leading to significant financial losses and legal troubles [30]. - The rise of "professional debtors" poses a threat to the financial management order and social credit systems, necessitating stricter regulations and enforcement against such fraudulent activities [30].