中经记者 郑瑜 北京报道 繁华商务区的高档写字楼，窗明几净的办公室、衣着整齐的员工。看似正规的"助贷服务"招牌背后，却 可能是收割资金短缺者的金融黑洞。 近日，公安部经侦局公布河南省平顶山市一起特大"AB贷"合同诈骗案。该犯罪团伙以"商务咨询"为幌 子，通过伪造银行委托函、利用话术陷阱，在短短半年内实施诈骗上百起。 警方进行全方位摸排核查发现，涉案公司员工多为年轻的"00后"，出行驾驶豪车，长期在互联网发 布"无视黑白户、百分百放款"等明显违规的助贷广告，并高薪招聘话务员。并且，该公司并未与银行等 金融机构签订所谓的"金融合作协议"，存在重大疑点。 贷款成功后，团伙会以"服务费""渠道费"等名义当场扣除约20%的高额费用。当B角发现自己从"见证 人"变成"主贷人"并上门理论时，该团伙则拿出预先准备的"补充协议"，试图将刑事诈骗包装成民间借 贷纠纷，以此规避法律制裁。 刘新宇表示，对银行来说，合同上签字并被认定为借款人的自然人，通常是对银行承担还款责任的第一 义务人，即银行可以直接向名义借款人催收或起诉。银行在尽到了形式审查义务的前提下，其债权受法 律保护。除非有确凿证据证明银行工作人员与犯罪团伙存在恶意串通， ...

Core Viewpoint - The prevalence of "AB loans" is increasing, despite previous media exposure of scams associated with them, indicating a shift towards a more complex version of these loans, referred to as "AB loan 2.0" [1][2][18]. Group 1: Understanding "AB Loans" - "AB loans" are essentially consumer loans from banks or financial companies, but are manipulated by intermediaries to bypass standard risk assessments [7][8]. - Intermediaries often collaborate with clients who have poor credit to present a friend as a legitimate borrower, creating a facade of compliance [3][6]. - The rise of "AB loans" can be attributed to the deteriorating creditworthiness of potential borrowers, as evidenced by increasing non-performing loan rates in major banks [11][12][15]. Group 2: Market Dynamics - The loan market is experiencing a downward trend in borrower quality, with many previously eligible clients now facing difficulties in securing loans due to high debt levels or past delinquencies [11][15]. - The pressure on banks to maintain loan growth amidst a sluggish housing market has led to a more lenient approach towards intermediaries, allowing for the proliferation of "AB loans" [20][22]. - The shift in lending practices has resulted in a contradiction where online lending is tightening while offline channels are becoming more reliant on intermediaries, leading to a compromise in risk management standards [28][30]. Group 3: Characteristics of "AB Loans" - The most susceptible loan products to become "AB loans" are those targeting salaried individuals, particularly in stable employment sectors like state-owned enterprises [26]. - The digitalization of loan applications has simplified the process, making it easier for intermediaries to facilitate "AB loans" without extensive documentation [26][28]. - The current market environment reflects a tension between the need for loan growth and the necessity of maintaining stringent risk controls, resulting in a paradoxical increase in "AB loans" [29][30].

Core Viewpoint - The article highlights allegations against Changsha Huilaitong Business Information Consulting Co., Ltd. for engaging in illegal "AB loan" activities, which target individuals with poor credit histories and involve deceptive practices to secure loans [1] Group 1: Company Activities - The company is accused of large-scale involvement in illegal "AB loan" operations, which are designed for borrowers with poor credit who cannot obtain loans through legitimate channels [1] - Employees of the company reportedly impersonate bank staff to promote "no credit check" and "low-interest loans" to clients with bad credit, misleading them into borrowing from friends and family to secure loans [1] Group 2: Legal Implications - Legal experts indicate that the "AB loan" scheme may involve fraud or contract fraud, posing significant social risks and necessitating industry regulation and strict enforcement [1]