关关造假层层包装 8名“黑中介”16名“职业背贷人”获刑

Core Viewpoint - A criminal gang exploited a bank's loan product designed to support small and micro enterprises, resulting in fraudulent loans totaling over 130 million yuan [2][11]. Group 1: Criminal Activities - The criminal group, led by Mao, fabricated false materials to present over 20 individuals as small business owners, securing loans from the bank [2][11]. - The gang managed to defraud the bank of approximately 130 million yuan, with actual losses to the bank estimated at 110 million yuan after repayments [9][12]. - Eight members of the criminal group and 16 "professional borrowers" have been sentenced to prison terms ranging from one year to eleven and a half years, with fines between 20,000 and 300,000 yuan [12]. Group 2: Loan Fraud Mechanism - The scheme involved recruiting individuals with good credit records, such as Cao, who was promised a share of the loan proceeds in exchange for signing documents [3][4]. - The gang used various tactics, including inflating property values and creating fictitious business identities, to secure loans [4][11]. - Mao's group took advantage of a bank's online loan approval process, which lacked thorough verification of the applicants' actual business operations [11]. Group 3: Legal Proceedings and Outcomes - Following a public tip-off, law enforcement initiated an investigation, leading to the arrest of key figures in the fraud [7][8]. - The investigation revealed extensive communication and financial transactions among the gang members, solidifying the case against them [8][10]. - The court proceedings resulted in significant sentences for the main perpetrators, with recommendations made to financial regulatory bodies to enhance oversight and prevent similar frauds in the future [12].