房产高评高贷、伪造流水……揭秘“职业背债人”骗贷产业链

Core Viewpoint - The resurgence of "packaged loans" has led to a complex gray industry involving intermediaries, property speculators, and bank insiders, resulting in significant financial and legal risks for all parties involved [1][2][6]. Group 1: Industry Dynamics - The "packaged loan" scheme has evolved from primarily targeting auto loans to utilizing fraudulent practices such as inflating property valuations and falsifying borrower qualifications to secure large loans [2][3]. - A gray industry chain has formed, where "professional debtors" are recruited by intermediaries under the guise of quick wealth accumulation, leading to substantial debt burdens [3][4]. - The rise of "professional house buyers" has been noted, who collaborate with intermediaries to inflate property values and facilitate excessive loan amounts [4][5]. Group 2: Bank Vulnerabilities - Banks have exhibited significant lapses in due diligence, with some employees directly participating in the fabrication of loan documents, thereby enabling fraudulent activities [6][7]. - The pressure on bank employees to meet performance targets has led to a culture of prioritizing loan approvals over risk management, resulting in relaxed scrutiny of loan applications [7]. - The lack of thorough verification of critical documents, such as employment and income proof, has been identified as a major factor contributing to the success of fraudulent loan applications [6][7]. Group 3: Financial Implications - The prevalence of "professional debtors" has increased the non-performing loan rates for banks, which are already under pressure, with reported non-performing loan balances rising significantly [10][11]. - The financial repercussions for banks include potential regulatory penalties and legal actions against involved employees, with numerous banks facing fines for credit violations [11].