2025.08.17 本文字数：3897，阅读时长大约6分钟 与大众的认知不同，职业背债人的构成较为复杂。第一财经记者采访发现，其中既有低收入群体、冲着 高薪"上钩"的失业者，也包含部分资金链困难的小微企业主。 "3个月赚200万，代价是成为老赖。"这是许明（化名）一开始就清楚的事情。他来自粤西一个乡村，初 中毕业后就进厂打工，一直处于"赚少花多"的状态。 许明最初接触到背债，是在社交平台的评论区。有人在大量招收白户"村民"，称短时间内可以赚到百万 元。贷款行业里，一些"征信正常，没房、没车、没有资产"的人员，被称为"征信白户"。这些"征信白 户"多数居住在农村地区，他们平时没有向银行贷款，个人征信良好。 他觉得这是个"改变命运的机会"，钱到手就找个地方"隐姓埋名"，"阔绰过一辈子"。"大不了就是坐不 了高铁、飞机。这有点像是父母辈下岗的时候买断'工龄'。我去做这个操作，200万买断人生。"许明 说。 与许明相比，此前在工地干活的陶天（化名）则是稀里糊涂当上了背债人。由于行业下行，他去年至今 打工一直断断续续，有天他在网络上看到个广告，声称只要是白户就可以尝试"一个年薪百万的职业"。 他联系上这家公司，对方承 ...

这些职业背债人的动机是什么？真能拿到高额收益吗？将面临哪些风险与法律责任？通过上述判例和第 一财经联系到的背债人的亲述，个中详情渐次清晰。 "200万买断人生" 与大众的认知不同，职业背债人的构成较为复杂。第一财经记者采访发现，其中既有低收入群体、冲着 高薪"上钩"的失业者，也包含部分资金链困难的小微企业主。 某些专业团伙已实现"规模化作业" "3个月躺赚200万元，代价是余生被银行追债！"在信贷市场的灰色地带，一个被称为"职业背债人"的特 殊群体正在野蛮生长。他们被中介机构精心包装后，成为套取银行贷款的完美工具。 近期，多地法院密集披露了多起涉职业背债人的金融犯罪判例。记者梳理发现，这条灰色产业链已形成 严密的协作网络：介绍人在各类平台上发帖锁定潜在背债人"拉人头"，实操中介团队负责"包装"身份、 动用各类关系办理贷款事宜，"白户"则负责最终背债。某些专业团伙已实现"规模化作业"，能套取银行 上亿元资金。 "3个月赚200万，代价是成为老赖。"这是许明（化名）一开始就清楚的事情。他来自粤西一个乡村，初 中毕业后就进厂打工，一直处于"赚少花多"的状态。 许明最初接触到背债，是在社交平台的评论区。有人在大量招收 ...

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].

Core Viewpoint - The article highlights the increasing prevalence of illegal financial activities in China, particularly in the context of real estate and auto loans, emphasizing the need for public awareness and caution to avoid financial fraud [1][2][3]. Group 1: Illegal Financial Activities in Real Estate - The Guangzhou Intermediate People's Court reported a case involving illegal fundraising through unapproved apartment projects, resulting in losses exceeding 27.5 million yuan for 112 investors [1]. - The accused, Zhang, and his accomplices were found guilty of illegally absorbing public deposits and were sentenced to prison terms ranging from four to eight years, along with fines between 250,000 to 400,000 yuan [1]. - The court urged the public to carefully examine project credentials and ensure legal compliance before investing in apartment projects to avoid significant financial losses [2]. Group 2: Loan Fraud Cases - A separate case involved a scheme where the accused, Ji, and his accomplices fraudulently obtained loans by purchasing cars and then selling them for cash, leading to a loss of over 860,000 yuan for financial institutions [2][3]. - The court determined that the actions of the accused constituted loan fraud, with Ji receiving a two-year prison sentence and a fine of 20,000 yuan, while another accomplice received a sentence of three years and a fine of 30,000 yuan [3]. - The article warns that individuals acting as "back borrowers" in such schemes may end up with substantial debts and face criminal charges, highlighting the risks associated with such fraudulent activities [3].

Core Points - The case involves a fraudulent scheme orchestrated by He Tinghan, manager of Sunshine Property Insurance's Xuchang branch, who misled clients into believing that loans would be repaid by the company while using the funds for personal debts and expenses [1][8] - The total amount of loans involved in the scheme reached 76.23 million yuan, with a remaining unpaid balance of 15.43 million yuan, resulting in losses of 32.36 million yuan for the involved financial institutions [8][13] - He was sentenced to 15 years in prison for loan fraud, money laundering, and forgery, along with a fine of 220,000 yuan and ordered to compensate the victims [13] Summary by Sections Fraudulent Loan Practices - He Tinghan promised clients high rebates of up to 20% for loans, claiming the company would cover repayments, which led to a total of 359 loans processed through 297 individuals [1][8] - Clients were misled into transferring loan amounts to He’s personal accounts, believing the funds were for company use [3][6] Client Experiences - Clients like Ms. Cui were unaware of the high fees associated with the loans, which included substantial insurance and service fees, totaling 14 million yuan in addition to the principal and interest [2][3] - Many clients received forged repayment agreements and assurances from He, which contributed to their trust in the scheme [3][5] Operational Misconduct - The scheme involved falsifying documents, including fake vehicle registration certificates and repayment agreements, to maintain the illusion of legitimacy [11][12] - Employees of Sunshine Property Insurance were also misled, with some unknowingly assisting in the fraudulent activities [3][11] Financial Mismanagement - He attempted to cover the financial shortfall by purchasing lottery tickets, spending 3.28 million yuan with hopes of winning to offset the losses [9][13] - The scheme's unsustainable nature became evident as He continued to recruit new clients to pay off old debts, leading to a significant funding gap [7][8] Legal Consequences - The court upheld the conviction, emphasizing the severity of the fraudulent activities and the extensive financial damage caused to clients and financial institutions [13][14]