一樁因貪念與非法中介操作而引發的嚴重金融詐貸案件，主角是一名90後青年謝亮亮。他因為渴望快速致富，透過老同學的介紹，接觸到所謂的「職業背債人」業務。這類業務以「零風險、高回報」為誘餌，聲稱只要借款人願意出借自己的身份，配合以本人名義申請銀行貸款，就能獲得分成。看似簡單的操作，實際上卻是一場早已設計好的騙局。

在中介的操縱下，謝亮亮被精心「包裝」。中介偽造銀行流水、收入證明與資產資料，將他塑造成一名「優質客戶」，藉此獲取銀行信任。2022年間，他以此手法從多家銀行共貸出高達3900萬元人民幣。然而，這筆龐大資金並沒有真正進入謝亮亮的手中，他實際上僅拿到600萬元，其餘3300萬元全被中介以「服務費」與「操作費」等名義瓜分。

隨著貸款到期，謝亮亮自然無力償還巨額債務，銀行因此將他告上法庭。案件最終確立，他被法院列為失信被執行人，案號為「(2022)甘0104執恢69號」。截至判決時，他未能履行的債務金額達3935萬元。最終，他被判處有期徒刑兩年，並處以五十多萬元罰金。這不僅讓他背上沉重的刑事責任，更導致其個人信用徹底崩塌。失信帶來的後果不僅限於法律制裁，更波及日常生活與未來發展。他如今被限制高消費，無法乘坐高鐵動車一等座與飛機，無法購買高檔不動產與車輛，甚至在職場上也將遭遇重大阻礙。換句話說，這場本以為能快速致富的「機會」，最終將謝亮亮的人生徹底推向深淵。

這起案件凸顯部分年輕人急於求成、缺乏風險意識的危險心理，也揭露非法中介如何利用偽造資料來欺騙金融機構，最終讓所謂的「背債人」淪為替罪羔羊。它不僅是個人的悲劇，更是對金融市場誠信體系的警醒，提醒社會警惕這類新型詐貸模式的蔓延。

A serious financial fraud case fueled by greed and manipulation by illegal intermediaries, centering on a young man born in the 1990s, Xie Liangliang. Driven by the desire to get rich quickly, Xie was introduced by an old classmate to the so-called “professional debt bearer” business. Such schemes are advertised as “zero risk, high return,” claiming that as long as someone is willing to borrow under their own name, the intermediaries will handle the rest, and the borrower will receive a cut of the loan proceeds. What appeared to be an easy way to make money was, in reality, a carefully orchestrated scam.

With the intermediaries’ involvement, Xie was deliberately “packaged” to appear creditworthy. They fabricated bank statements, income certificates, and asset documents, presenting him as a “high-quality client” to win the banks’ trust. In 2022, using these forged credentials, Xie managed to secure loans totaling 39 million yuan from multiple banks. However, he personally received only about 6 million yuan, while the remaining 33 million yuan was siphoned off by the intermediaries under the guise of “service fees” and “handling charges.”

When the loans came due, Xie inevitably found himself unable to repay the enormous debts. The banks filed lawsuits, and the case was eventually confirmed in court. He was officially listed as a dishonest debtor (case number: (2022) Gan0104 Zhi Hui 69), with unpaid debts amounting to 39.35 million yuan. Ultimately, he was sentenced to two years in prison and fined more than 500,000 yuan. Beyond the criminal penalties, his personal credit was completely destroyed.

The consequences of being blacklisted as a defaulter extend far beyond the courtroom. Xie now faces restrictions on high-end consumption: he cannot purchase luxury property or vehicles, nor can he travel on high-speed trains in first-class or take flights. His professional development has also been severely compromised, as the stigma of dishonesty and the credit record collapse follow him for life. What he thought was an opportunity to get rich overnight has instead pushed his entire future into ruin.

This case highlights the dangerous mindset among some young people who seek shortcuts to wealth without considering risks, and it reveals how illegal intermediaries exploit forged documents to defraud financial institutions—leaving the so-called “debt bearer” to shoulder the consequences. It is not only a personal tragedy but also a warning to the financial system about the dangers of such fraudulent schemes, underscoring the urgent need for vigilance against the spread of these new forms of loan fraud.