A. Create the illusion of private lending

B. Create traces of running water in the bank, and deliberately create the illusion that the victim has obtained all the money borrowed from the contract.

C. unilaterally and arbitrarily determine the victim's breach of contract and ask the victim to repay the "inflated loan" immediately.

D. maliciously increase the loan amount. When the victim was unable to pay, the defendant introduced other fake "small loan companies" or individuals to sign a new "false loan contract" with the victim to "balance the account" and further increase the loan amount.

Correct answer: ABCD

Basic characteristics of the crime of "routine loan";

First, create the illusion of private lending. The defendant solicited business in the name of "small loan company", signed a loan contract with the victim, created the illusion of private lending, and tricked the victim into signing contracts such as "inflated loan contract", "yin-yang contract" and "real estate mortgage contract" in various names such as "liquidated damages" and "deposit", which were obviously unfavorable to the victim.

The second is to create traces of bank runs and deliberately create the illusion that the victim has obtained all the contract loans.

The third is to unilaterally and arbitrarily determine that the victim has breached the contract and ask the victim to repay the "inflated loan" immediately.

The fourth is to maliciously increase the loan amount. When the victim was unable to pay, the defendant introduced other fake "small loan companies" or individuals, or "tricked" other companies into signing a new "inflated loan contract" with the victim to "balance the account" and further increase the loan amount.

Fifth, "demanding debts" with both hard and soft methods, or mentioning false litigation, and embezzling the property of the victim or his close relatives through a successful judgment.

1. Routine loan is to induce or force the victim to sign "loan" or disguised "loan", "mortgage" and "guarantee" and other related agreements for the purpose of illegal possession, and form false creditor's rights and debts by inflating the loan amount, maliciously creating breach of contract, arbitrarily identifying breach of contract, destroying, concealing repayment evidence, notarizing through litigation and arbitration, or using violence or threats.

2. For the joint crime of "routine loan", if there is evidence that more than three people form a relatively strict and fixed criminal organization, and commit the crime of "routine loan" in a premeditated and planned way and form a criminal gang, it shall be recognized as a criminal group. The essence of "routine loan" is fraud under the guise of private lending.

"Routine loan" has begun to take the form of intellectual crime, and even some legal practitioners have become accomplices of criminals or "military teachers", providing them with professional "legal guidance", improving the success rate of "false litigation" and obtaining high criminal profits.