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Recent developments have seen the Shanhaitian police in Rizhao successfully dismantle a criminal syndicate led by Liu and Cui, notorious for their predatory lending practices. Four illicit operations were dismantled, leading to the apprehension of 16 suspects. The law enforcement confiscated over 20 mobile devices and four computers, while freezing assets amounting to more than 3 million yuan, with total transaction volumes nearing 300 million yuan.

Overview of the Case

On February 18, 2023, an aggrieved party, Mr. Lu, reported that he had been lured into a trap on the JiandaiBao platform. The perpetrators promised low-interest, high-value loans, only to push him into small loans with exorbitant fees, including a so-called “credit restoration fee” and prolongation charges, swindling him out of over 60,000 yuan.

In response, the division head took direct command, mobilizing a task force of elite officers to investigate thoroughly. The detectives uncovered a network of over a dozen criminals operating under a corporate guise, divided into roles such as management, finance, and customer service. They leveraged the JiandaiBao app to engage in illegal lending activities. The task force was able to track the movements of the syndicate’s members.

On March 10, the division deployed over 30 personnel from various departments and police stations, launching coordinated raids in Weifang, Wulian, Donggang, and other areas, apprehending eight individuals, including the company’s legal representative, Wang. Through a relentless pursuit across three cities over 40 hours, the main culprits Liu and Cui, among others, were captured on March 14.

Further investigation revealed that the gang exploited illegally obtained personal data, targeting individuals seeking loans. Using legitimate accounts on the JiandaiBao platform, they contracted loans with victims, inflating the loan amount with a deceptive “reservation deposit” akin to “front-loaded interest”. They fabricated financial records matching the contracts, then levied “prolongation fees,” “credit restoration fees,” and “reservation deposits”, artificially inflating debts.

Scheme Details

The core strategy of this syndicate involved contacting potential victims via the company’s customer service line, citing insufficient “credit ratings” as a reason for them to undertake three short-term loans for supposed credit repair. Each loan period lasted around seven days. This loan trap is subtle; initial loans are typically in the thousands, with victims believing repayment to be manageable. However, the syndicate sets numerous traps, forcing victims to pay fictitious debts—a cycle nearly impossible to escape without external assistance. Over 3,000 individuals across the country fell prey to this loan scam.

First short-term loan ranged between 3,000 to 5,000 yuan

During the disbursement, a 30% “frozen reservation deposit” was deducted, with the promise of a 10% refund upon completion of each loan phase. Failure to complete all phases resulted in no refund of the “frozen reservation deposit.”

Second emergency loan doubled or tripled the first

The customer service would justify a 25% “credit restoration fee” and a 5% interest rate, purportedly to improve the victim’s backend data and credit limit, although these enhancements never materialized.

Third loan increased twofold from the second

It still incurred a 25% “credit restoration fee” and 5% interest. As the company lacked the capacity to provide large, low-interest loans, after completing three short-term loans, the customer service would find excuses to deny the large, low-interest loan.