“职业背债人”骗局猖獗，监管紧急提醒→

Core Viewpoint - The article highlights the rise of the "professional debtor" scam, where individuals are lured into taking on large debts under the false promise of high returns and minimal responsibilities, leading to severe financial and legal consequences for victims [1][9]. Group 1: Scam Mechanism - The "professional debtor" scheme involves enticing individuals with offers of quick loans and high returns, often using coded language like "white households" and "flower households" to identify targets [3][4]. - Victims, often lacking financial knowledge, are manipulated into taking out loans against inflated property values, with intermediaries pocketing the difference [5][6]. - The scam operates through a network of intermediaries who create false documentation to secure loans, leaving victims with significant debt and no actual funds [5][6]. Group 2: Regulatory Response - Regulatory bodies have issued multiple warnings about the risks associated with becoming a "professional debtor," emphasizing the potential for substantial debt burdens and damage to personal credit [9][10]. - In 2024, over 3,800 cases of such fraudulent loans were reported, involving more than 5 billion yuan, indicating the scale of the issue [8]. - Legal experts warn that participants in these schemes may face civil and criminal liabilities, including charges of fraud and money laundering, if they knowingly assist in the deception [10].