“职业背债人”骗局猖獗，监管提示警惕“轻松致富”陷阱

Core Viewpoint - The rise of "professional debtors" scams is alarming, with financial consumers being lured into taking on massive debts under false promises of high returns without repayment obligations [1][6][7] Group 1: Scam Mechanism - Recruitment messages on social media often promise high returns, such as "earn 1 million in a month" or "get 200 million in three months," targeting financially illiterate individuals [2][6] - Terms like "white household" and "flower household" are used as coded language within the scam industry, indicating individuals with clean credit records or those with overdue records, respectively [2][3] - Loan intermediaries often inflate property values through fake appraisals, leading victims to take on loans far exceeding the actual value of the property [3][4] Group 2: Regulatory Response - Regulatory bodies have issued multiple warnings about the risks associated with becoming a "professional debtor," emphasizing the potential for significant debt burdens and legal consequences [5][7] - In 2024, over 3,800 cases of such fraudulent loans were reported, with total amounts exceeding 5 billion, highlighting the scale of the issue [6] - The financial regulatory authority has reiterated that promises of "high returns" and "no repayment required" are red flags for scams [6][7] Group 3: Risks Involved - Individuals involved in these scams face substantial financial risks, including the obligation to repay loans that far exceed any compensation received [7] - Personal credit ratings can be severely impacted, leading to difficulties in obtaining legitimate financial services in the future [7] - Legal risks are significant, as participants may be implicated in criminal activities such as fraud, money laundering, and illegal fundraising [7]