Trilogy. The first step: first induce the borrower to borrow money, and then trick the borrower into signing an iou that is twice or even several times higher than the loan amount on the grounds of regulations. For example, you borrow 6,543,800 yuan and have a debt of 200,000 yuan. A liar's sweet words can easily get you hooked.
Step 2: "Forge" the bank flow. After the borrower signs the loan slip, the "small loan company" will trick the borrower into transferring money to the bank to take away the cash, leaving the bank running water as evidence. For example, "small loan companies" will transfer money to banks with borrowers. They first put the 200,000 yuan promised on the loan into the borrower's card, then let the borrower take it out, and then take away 6,543,800 yuan, but the borrower did not get the repayment form. In the end, the borrower actually got only 654.38 million yuan, but the bank running water shows that there is still 200,000 yuan in the account.
The third step: "balance the account". Also in this step, the original account may be expanded dozens of times. Once the borrower defaults, the "loan company" will settle the account in a "flat account" way. "Even account" means that another "small loan company" repays the money of the first company, and the borrower signs a higher debt contract. The second step of "forging" the bank's flowing water will be repeated.