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Core Viewpoint - The article highlights the increasing prevalence of loan fraud schemes, particularly those involving the fabrication of borrower qualifications and the use of POS machines to create fictitious transactions for cashing out loans, prompting calls for enhanced risk management practices within banks [1][3][7]. Group 1: Loan Fraud Techniques - Recent cases reveal that fraudsters often "package" individuals without loan qualifications as high-income earners to obtain bank credit loans, with one case in Jiangsu involving over 6 million yuan [3]. - Techniques such as falsifying income proof and using fake employment identities are common, as demonstrated by a case where an individual fraudulently obtained a loan of 250,000 yuan using fabricated documents [4][5]. - The involvement of bank employees in these schemes has been noted, indicating a deeper issue within the banking system [7]. Group 2: Regulatory Response and Recommendations - Regulatory bodies are intensifying efforts to combat loan fraud, with the Financial Regulatory Bureau issuing warnings about common fraudulent practices and emphasizing the need for banks to strengthen their internal controls [9]. - Experts suggest that banks should shift from a passive compliance approach to an active risk management model, including thorough verification of borrower identities and backgrounds, and implementing intelligent monitoring systems for loan fund usage [8][6]. - The establishment of a unified loan fraud information-sharing database among banks is recommended to enhance real-time detection and prevention of fraudulent activities [10][11].