特大“AB贷”合同诈骗案撕开“商务咨询”背后黑手

Core Viewpoint - The article highlights a significant "AB loan" fraud case in Pingdingshan, Henan Province, where a criminal gang exploited financial vulnerabilities under the guise of "business consulting" and engaged in deceptive practices to defraud numerous victims [1][2]. Group 1: Fraud Mechanism - The "AB loan" scheme involves a deceptive process where victims are lured by promises of loans despite poor credit, using "internal green channels" as bait [2][3]. - The gang employs a professional approach, manipulating victims (A parties) to recruit creditworthy friends (B parties) as "credit witnesses," while misleading them about their responsibilities [2][3]. - Once loans are approved, the gang deducts approximately 20% in fees under various pretenses, leaving B parties unaware of their new obligations as primary borrowers [3][4]. Group 2: Legal Implications - The gang's operations are characterized by a lack of legitimate agreements with financial institutions, raising significant legal concerns regarding the validity of their contracts [1][5]. - Legal experts indicate that banks are protected by contracts signed by individuals, making it challenging for B parties to contest their obligations without solid evidence of collusion between banks and the gang [3][5]. - The distinction between legitimate brokerage services and fraudulent activities is crucial, as the gang's actions are classified as criminal fraud rather than mere contractual disputes [5]. Group 3: Law Enforcement Response - In January 2025, law enforcement conducted a large-scale operation, uncovering a network of 22 similar companies involved in the fraud, with total illicit gains exceeding 330 million yuan [4][5]. - The investigation revealed a systematic approach to fraud, including detailed scripts for persuading victims and a complete operational workflow from marketing to financial transactions [4][5]. - Collaborative efforts between police and financial regulatory bodies have been essential in tracing the flow of funds and identifying the fraudulent nature of the operations [5].