300万元贷款从天而降 80后姚某曾在英国留学，经营着一家实际上无任何项目的贸易公司。2020年，一次朋友聚会上，在国企工作的小飞和姚某相识。在小飞眼里，姚某是妥妥 的"白富美"，这是因为姚某穿着奢华，自诩是金融投资人，丈夫是某知名集团的继承人。 2022年1月，一次聊天中，姚某向小飞透露自己丈夫的公司即将在国外上市，可以连带相关附属企业一并上市，因她名下公司过多，问小飞能不能代为充 当一家新成立公司的法定代表人，并许诺相应报酬。小飞心动了，将注册公司法定代表人所需的材料提供给姚某。同月，小飞成为一家公司挂名的法定代 表人。 2022年2月26日，为感谢小飞的帮助，姚某请他吃饭，同行的还有她的"朋友"谭某、李某（两人实际为贷款中介）。饭局上，姚某一边与小飞聊天，一边 以公司变更登记为由，让谭某、李某用小飞的手机操作，并要求小飞刷脸。出于对姚某的信任，小飞并未细看就照办了。 然而，几个月后，小飞收到了某金融机构催促他偿还300万元贷款的信息。这时，他才发现自己和挂名法定代表人的公司向某金融机构贷款300万元。 小飞意识到被骗了，多次联系姚某无果后，于2023年12月向当地派出所报警。 公安机关调查发现，姚某等人 ...

投行精英、公司老板、富豪丈夫旗下企业即将上市……姚某打造"白富美"人设，注册空壳公司，联合员 工张某及贷款中介谭某、李某，利用被害人挂名法定代表人的身份骗取金融机构贷款1690余万元。 经江苏省苏州市相城区检察院提起公诉，2025年12月23日，法院以贷款诈骗罪，合同诈骗罪，盗窃罪， 洗钱罪，信用卡诈骗罪，伪造公司、企业印章罪，数罪并罚，判处被告人姚某有期徒刑十七年，并处罚 金62.5万元；以骗取贷款罪、贷款诈骗罪、洗钱罪分别判处被告人李某、张某有期徒刑二年六个月、一 年十个月，各并处罚金4万元；以骗取贷款罪判处被告人谭某有期徒刑二年三个月，并处罚金3万元。 300万元贷款从天而降 80后姚某曾在英国留学，经营着一家实际上无任何项目的贸易公司。2020年，一次朋友聚会上，在国企 工作的小飞和姚某相识。在小飞眼里，姚某是妥妥的"白富美"，这是因为姚某穿着奢华，自诩是金融投 资人，丈夫是某知名集团的继承人。 2022年1月，一次聊天中，姚某向小飞透露自己丈夫的公司即将在国外上市，可以连带相关附属企业一 并上市，因她名下公司过多，问小飞能不能代为充当一家新成立公司的法定代表人，并许诺相应报酬。 小飞心动了，将注册公 ...

Core Viewpoint - The article highlights a significant case of loan and credit card fraud involving a group led by an individual named Ning, who exploited vulnerable individuals labeled as "professional debtors" to commit financial crimes, resulting in substantial financial losses and legal consequences for those involved [1][5]. Summary by Sections Case Overview - The case involves Ning and accomplices who targeted individuals without repayment ability and lacking housing purchase qualifications, packaging them as "debtors" to facilitate fraudulent loan applications [2]. - The total amount defrauded through loans reached over 7.38 million yuan, while credit card fraud involved over 5.75 million yuan, leading to a combined fraud amount exceeding 10 million yuan [3][4][5]. Legal Consequences - Ning was sentenced to 16 years in prison and fined a total of 800,000 yuan for his roles in loan and credit card fraud [5]. - Other accomplices received varying sentences ranging from 3 to 11.5 years, along with fines [6]. Risks for Debtors - Individuals labeled as "professional debtors" face severe risks, including high debt burdens, damaged personal credit, and potential legal repercussions for failing to repay loans [7]. - Debtors involved in fraudulent activities, such as falsifying documents to obtain funds, may be charged with serious crimes, including fraud and money laundering [8].

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].