斩断“职业背债人”背后黑色产业链 绝不允许“职业背债”蔓延

Core Viewpoint - The emergence of "professional debt-bearing" scams poses significant risks to consumers and the financial system, necessitating increased vigilance and protective measures from regulatory authorities [1][2]. Group 1: Definition and Mechanism - "Professional debt-bearing" refers to individuals selling their personal credit to assume debts for others in exchange for high profits, which fundamentally constitutes fraud [1]. - The scams involve false advertising, document forgery for loans, and high commission extraction, undermining the credit system of financial institutions and threatening economic order [1]. Group 2: Impact on Individuals and Society - Individuals who become "professional debt-bearers" often face substantial debts, risking their personal credit and potential legal consequences for involvement in fraud, illegal fundraising, loan fraud, or money laundering [1]. - The targeted individuals are typically from low-income backgrounds, lacking social security and education, making them particularly vulnerable to these scams, which exacerbates their financial difficulties [2]. Group 3: Industry Response and Recommendations - To combat the proliferation of "professional debt-bearing" activities, a multi-faceted approach is required, including stricter enforcement against illegal practices and increasing the costs of crime for all involved parties [2]. - Financial institutions must enhance internal controls for loan risk management and improve supervision and education for key credit personnel to prevent involvement in such scams [2].