“职业背债” 不是“馅饼”是“陷阱”

Core Viewpoint - The National Financial Supervision Administration has issued a warning about the risks of "professional debt" traps, urging consumers to be vigilant and avoid such schemes [1] Group 1: Nature of "Professional Debt" - "Professional debt" primarily involves fraudulent activities in areas such as housing loans, consumer loans, and corporate loans [1] - Fraudsters lure individuals with promises of high returns without repayment obligations, using false documents to secure loans from banks [2] - The phenomenon is prevalent across various sectors, with tactics including inflated property valuations and fabricated income statements [2] Group 2: Risks for Borrowers - Individuals who become "professional debtors" face significant risks, including high debt burdens and negative credit records [4] - On average, borrowers only receive 20% to 30% of the loan amount as "debt fees," while being responsible for the full loan repayment [4] - The actions of "professional debtors" can lead to bad debts for financial institutions, impacting the overall financial stability and credit system [4] Group 3: Recommendations for Prevention - Consumers are advised to be cautious of any loan offers that promise no repayment obligations, as these are fundamentally scams [5] - Financial institutions should enhance risk control measures, implement big data monitoring, and establish internal accountability systems [5][6] - Regulatory bodies are encouraged to strengthen enforcement against risky behaviors and improve the accuracy of asset evaluations to close loopholes in loan processes [6]