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谁在制造“职业背债”？公安部曝光十大案例揭金融黑灰产：有征信“白户”被包装成企业家、购车人向银行骗贷_蜘蛛资讯网

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常的普通人充当“背债人”，进行话术培训和包装，指使“背债人”使用虚假证明材料骗取银行购车贷款。浙江蒋某案更加典型，犯罪嫌疑人以“低风险、高回报”为诱饵，诱使征信白户充当“背债人”，为其量身定制营业执照、财务报表等全套企业经营资料，涉案金额高达9000余万元。　　“背坏账”模式则更为复杂。据记者此前调查，中介人员透露，企业通过中介找到背债人，将名下不良资产抵押给背债人的公司，再由背债人抵押给银行申请

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