2024-04-19 21:35:00
[NewTangDynastyNewsheuredePékin19avril2024]In recent years, a mysterious group of “professional debtors” has emerged in China. These people joined forces with bank insiders and big debtors to form a mysterious black industrial chain. They use the Bank of China’s credit loopholes to defraud huge bank loans, causing serious losses for the bank and ultimately leaving Chinese taxpayers to foot the bill.
“Professional debtors” are also called “laolai”. According to mainland media, there are currently more than 8.3 million “lao lai” in China. Among this huge group of “lao lai”, some people take the initiative to get into debt. for others, becoming a professional debtor.
Professional debtors are mainly concentrated in the real estate sector. This kind of career can let you eat and drink for free, and you can also get a house for free, and you can earn one million yuan in cash income in half a year. The price is to bear millions or even tens of millions. of yuan in mortgage debt for life and being blacklisted by the bank for dishonesty.
Author Ye Xiao wrote an article in the Epoch Times on April 19, revealing that this type of profession now forms a black industrial chain in mainland China. “For example, if you are very strapped for cash and you contact a professional black debtor agency, they will take you to a second or third tier city, stay in a hotel and arrange food and drinks . bring your bank card and your identity card. Leave it to the middleman and don’t worry regarding anything else. You can just check your phone all day, the middleman will bring you food and drinks. , your bank card will continue to receive funds.
Their specific mode of operation is that if they declare a property of 5 million yuan (RMB, the same below), the intermediary will purchase it on your behalf, pay a deposit of 1.5 million yuan for you and will handle numerous loan approvals through the bank. internal staff and official staff. The required social security certificate, deposit information, income flow information and other qualification documents were then reviewed by the bank’s credit department and a mortgage of 3.5 million yuan was issued. was released, which relieved the real estate developer.
After that, you can apply for various loans on the property, such as second mortgages, renovation loans, etc., totaling 6 million yuan. After living in a hotel for regarding six months and everything is done, you can finally move around. 1.5 to 2 million yuan. The cash prize is to carry a debt of 9.5 million yuan for life and become a debtor for life on the bank’s credit blacklist. For the second mortgage of 6 million yuan, middlemen, professional debtors and PCC system insiders will share the spoils according to the proportions agreed in advance. The general market situation is that each party accounts for around 30%.
Professional debtors primarily commit loan-related fraud. There is a punishment for “loan fraud” in the Chinese Communist Party’s criminal law. However, due to insider involvement in banks, professional lenders will generally not be prosecuted and banks will have millions in bad debts. debt holes.
The final way to deal with banks’ bad loans is to use the CCP government’s various methods to eliminate bad loans. But in reality, taxpayers across China are footing the bill, which also poses potential risks for bank depositors and financial consumers.
Just like the disappearance of depositors’ deposits in Henan’s rural banks, if something goes wrong, the CCP government and banks will completely ignore their responsibility and blame it on depositors’ financial mismanagement.
Because the number of people in China whose monthly income is less than 2,000 yuan is 964 million. Once something changes in their family, these people have no savings and no ability to get by. Therefore, black middlemen and bank insiders will sniff out business opportunities and take advantage of loopholes in the CCP system to recruit large numbers of people at the bottom. who urgently need money or who do not care regarding credit reports to join in the fraud, thus forming a black industry.
It is said that in some remote areas of China, every villager has become a professional debtor, and some rural areas have become a professional debtor village.
Even if the price of being in debt is not being able to take high-speed trains, planes, and purchasing restrictions, and having to carry millions or even tens of millions of mortgage debt for a lifetime, and ultimately being blacklisted by the bank for being in debt. untrustworthy because you can make money quickly, it can solve your family’s urgent needs. Many business debtors put the money they earn into family accounts and do not make any deposits into their own accounts to avoid being frozen. In order not to affect the future of their children, some simply divorce their spouse.
Once you become a professional debtor, it is almost impossible to clear your name. Only a very small number of people with “supernatural powers” can use their connections with the public security system and the civil affairs department to cancel their household registration in the name of death, and then obtain legal household registration , change their name and “start their lives once more” in order to be purified.
As a professional debtor forced to go to prison, there is another risk if you encounter shady middlemen and bank insiders: not only will the professional debtor be saddled with debts for life, but he may not get the money or just get it. Nothing. A small amount of money can be obtained.
(Editor: Wen Bin)
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