金融“黑灰产”首批典型案例公布，包装“职业背债人”骗贷案在列

Core Viewpoint - The financial regulatory authorities and the police in China are intensifying efforts to combat illegal financial activities, particularly focusing on loan and credit card fraud schemes involving illegal loan intermediaries [1][2]. Group 1: Case Details - A case involving Ning and others was highlighted, where they engaged in loan fraud and credit card fraud by creating "professional debtors" and falsifying documents to secure loans [1]. - From July 2019 to May 2020, the defendants defrauded a total of over 7.38 million yuan through fraudulent loans and credit card applications, with 5.75 million yuan in principal still outstanding at the time of the incident [1][2]. Group 2: Legal Consequences - In March 2025, the court sentenced Ning to 16 years in prison and imposed fines totaling 800,000 yuan for loan and credit card fraud [2]. - Other defendants received varying sentences ranging from 3 to 11.5 years, along with fines, indicating a structured approach to sentencing based on the severity of involvement in the crimes [2]. Group 3: Industry Impact - The rise of illegal loan intermediaries has led to significant economic losses and has disrupted the financial management order in the country, posing a threat to national financial security [2]. - The criminal activities are characterized by a systematic approach, with intermediaries playing a crucial role in orchestrating fraud, which has serious social implications and necessitates legal action [2][3]. Group 4: Handling of Offenders - The authorities emphasize a tiered approach to handling offenders based on their level of involvement, advocating for harsher penalties for key players while considering leniency for those with lesser roles who cooperate with investigations [3].