央视披露：犯罪团伙在全国招募借款人，以虚假材料骗取车贷，造成银行经济损失670多万元，在多地抓获37名犯罪嫌疑人；警方还原犯罪链条

Core Viewpoint - A criminal gang has exploited the auto loan market in China, using fake documents to defraud banks, resulting in over 6.7 million yuan in losses. The police have arrested 37 suspects and uncovered a well-organized fraud scheme [1][2]. Group 1: Fraud Scheme Overview - The gang recruited borrowers nationwide, using false materials to obtain car loans, leading to significant financial losses for banks [1]. - In a specific case, 38 out of 44 loans processed by a bank in Jiangsu were defaulted on shortly after disbursement, indicating a systematic fraud operation [1][2]. - The loans ranged from 180,000 to 200,000 yuan, which were approved automatically by the bank due to their amount being below the threshold for manual review [1]. Group 2: Criminal Operations - The gang's operations involved a clear division of labor, from recruiting borrowers to falsifying documents and selling the cars quickly after purchase [3][8]. - The main perpetrators, identified as Gong and Zhang, orchestrated the scheme by providing upfront payments for the cars while recruiting individuals with good credit histories, referred to as "white households" [3][8]. - The gang utilized online platforms to attract individuals desperate for money, offering them loans with the promise of quick cash [3][5]. Group 3: Execution of the Fraud - Once the loans were secured, the gang would sell the cars within days, often within 2 to 3 days, and the proceeds were funneled into the accounts of the gang leaders [2][9]. - The gang trained the borrowers to respond to bank inquiries with pre-prepared excuses to delay detection of the fraud [7][9]. - The borrowers, while receiving a small fee for their participation, ended up with significant debts and legal consequences due to their involvement in the scheme [9].