Core Viewpoint - The article highlights the prevalence of financial scams targeting individuals in need of loans, particularly through deceptive practices like "刷流水" (fake transaction flow) to meet loan requirements [10][11][19]. Group 1: Scam Mechanisms - Scammers often pose as bank representatives or loan service providers, offering enticing terms such as "no collateral," "zero cost," and "high subsidies" to lure victims [11][19]. - The process involves convincing victims to provide personal and banking information under the pretense of qualifying for loans or subsidies, followed by requests to artificially inflate their bank transaction records [13][14]. Group 2: Legal and Financial Implications - Engaging in "刷流水" is illegal and can lead to severe consequences, including account freezing and potential criminal charges [17][19]. - Banks typically require transaction records to assess a borrower's income stability and repayment ability, but artificially created transaction flows are not recognized by financial institutions [16][17]. Group 3: Prevention and Awareness - Individuals are advised to be cautious of "free benefits" and unsolicited financial offers, maintaining vigilance against scams that exploit the desire for easy money [19][20]. - Protecting personal information, such as ID and bank details, is crucial to prevent falling victim to these scams [19][20].