多地密集披露职业背债人案例：产业链分工明确，有的骗贷上亿

Core Viewpoint - The emergence of "professional debtors" in the gray area of the credit market, who are manipulated by intermediary agencies to extract loans from banks, has created a complex network of financial crime [1][2][7]. Group 1: Characteristics of Professional Debtors - Professional debtors are a diverse group, including low-income individuals, unemployed people attracted by high earnings, and small business owners facing financial difficulties [2][3]. - Many professional debtors, referred to as "credit white households," have good credit histories and no assets, making them ideal candidates for intermediaries to exploit [2][3]. Group 2: The Role of Intermediaries - A well-organized network of intermediaries is involved in the process, including introducers, channel merchants, and operational intermediaries, all working together to facilitate loan acquisition [6][7]. - Intermediaries often promise high returns to professional debtors but take a significant portion of the loan as commission, leaving the debtors with minimal actual earnings [9][10]. Group 3: Legal Implications and Risks - Professional debtors face severe legal consequences, including potential charges of fraud, illegal fundraising, and money laundering, as they assist in fabricating documents to secure loans [10][11]. - Recent cases show that both intermediaries and professional debtors are subject to criminal penalties, with sentences for intermediaries often exceeding ten years [12].