Group 1 - The dark side of credit economy is highlighted, indicating that easy money often involves significant risks and illegal activities [2] - The implementation of real-name registration for mobile users began in 2010, tightening control over personal information [3] - The rise of a unified personal credit database started with the establishment of the credit center in 2006, evolving to include comprehensive records of personal and corporate information [7][8] Group 2 - The number of individuals classified as "dishonest" has reached 29.9 million over the past decade, with Zhejiang, Jiangsu, and Guangdong being the top three provinces [10][11] - A new trend has emerged where individuals with good credit records can secure loans of 1 to 3 million within a few months, often involving intermediaries who exploit vulnerable individuals [13] - The financial exploitation of "professional debtors" is increasing, with over 60% of them being young adults aged 25-35, indicating a systemic issue within the credit system [14]