Providing excellent financial services to small and micro enterprises is an important aspect for banking and financial institutions to serve the real economy and achieve high-quality development. But some insiders have reported that some intermediary agencies register small and micro enterprises for "white accounts" (accounts with good credit ratings) and obtain loans from banks by forging materials, packaging assets, and other means. Some banks have lax review and even some bank staff have participated in the process to profit, and in the end, the loans are diverted for other purposes. Lenders, intermediaries, and bank staff each profited from it, leaving behind a pile of 'bad debts'. Over a hundred small and micro enterprise reconciliators have gone missing. Insiders have reported to reporters from the Economic Reference Daily that during routine reconciliation of business loan corporate accounts at the Baigou Branch of Industrial and Commercial Bank of China (601398. SH) Baoding Branch (hereinafter referred to as "Baigou Branch"), reconciliators found that over a hundred account reconciliators were missing. A few reconciliators who could be contacted were vague, and some even claimed that they did not have the U-shield, business license, and other media required for reconciliation. It is reported that the missing accounts are mostly small and micro enterprises engaged in luggage and leather goods business, with loan amounts ranging from several million to tens of millions, scattered across different banks. In the internal reconciliation registration form, there are notes after the names of these accounts, among which hundreds of accounts have the words "Longi Taihe Group Co., Ltd." written after them. Insiders said that most of the loans from these accounts occurred around 2021, and after a period of normal repayment, they gradually became overdue, with some accounts already overdue for several years. The reporter found through inquiry that LongiTaihe is a well-known real estate enterprise in Gaobeidian City, Hebei Province. Due to the previous downturn in the real estate industry, it once faced operational difficulties. In October 2022, it was listed as a limited height enterprise; In July 2023, Longitai announced that it had applied to the court for judicial reorganization. At present, the company is still in the stage of restructuring. The reporter tried to contact some merchants through their business registration information, but most of the business registration numbers went unanswered. A few dialed the numbers and quickly hung up when they heard the reporter's intention. These small and micro enterprises are actually the 'shell' that helps LongiTaihe borrow money. ”Zhang Haoming (pseudonym), a corporate legal person contacted by the reporter after many twists and turns, told the reporter that they are "listed legal persons" and actually do not operate the enterprise at all. The main purpose of the enterprise's existence is to obtain loans from banks, and the vast majority of the borrowed funds are transferred by LongiTaihe. LongiTaihe is responsible for repayment, and they, intermediaries, and banks (related personnel) will each take some benefits. According to Zhang Haoming, the industry chain of "individual intermediary bank enterprise" has been formed for helping enterprises obtain loans before: relevant intermediaries find individuals willing to pay debts to become corporate legal persons, and then through a series of operations, "maintain accounts", enable enterprises to have corresponding business loan qualifications and apply for loans from banks. The company under my name was bought and transferred to me through intermediaries, and they were the ones who handled the entire process. They are also responsible for repayment and reconciliation. But I didn't receive any of the promised benefits and even took out a loan for nothing. ”Zhang Haoming said that the people from Longi Taihe arranged for him to reconcile the accounts several times, but there has been no news since then, and he no longer repays them. Currently, his registered company has a loan of over 5 million yuan at the Baigou branch that has not been repaid, and he himself works for a living and is unable to repay it. Another corporate legal representative who helped LongiTaihe with the loan also confirmed Zhang Haoming's statement. His corporate loan is also at the Baigou branch, and there are still more than 10 million yuan outstanding. He said that there are quite a large number of them in this group. After LongiTaihe's bankruptcy reorganization and loan suspension, they have repeatedly reported the relevant situation together, but it has not been resolved yet. Now that the enterprise (Longitahe) is like this, it definitely has no money left, and I don't know how to end it in the end. ”A bank staff member told reporters: 'If the situation is true, the bank is likely to be aware of it, but whether it is due to business pressure or personal assessment pressure, they will choose to turn a blind eye, and even some employees may' eat both ends': they want performance and benefits. '. ”The information obtained by the reporter shows that the relevant departments have noticed this phenomenon. The Industrial and Commercial Bank of China Baoding Bank Enterprise Reconciliation Center issued two "Risk Warning Letters" to Baigou Branch in 2025, stating that two corporate legal persons claimed that all the necessary information and media for reconciliation were in the hands of personnel from Longitaihe Real Estate Co., Ltd. (a subsidiary of Longitaihe) and could not complete the reconciliation. One of the legal persons claimed that there were still many such accounts. The "Risk Warning Letter" also mentioned that the corporate and personal accounts of these two legal persons are suspected of renting out lending accounts and fraudulent loans. It is required that the Baigou branch pay close attention to this matter, conduct strengthened due diligence, and take corresponding control measures based on the due diligence results. The reporter also contacted Baigou Branch and Industrial and Commercial Bank of China Baoding Branch (hereinafter referred to as "Baoding Branch") regarding the above-mentioned incident, and provided a list of some enterprises. After inquiry by Baoding Branch, it was found that several enterprises, including Zhang Haoming and others, who are legal persons, are loan users of their Baigou Branch and have all been overdue, and have been reported to the credit department for processing according to regulations. But the Baoding branch stated that loan processing was strictly carried out in accordance with regulations, and no abnormal flow of loan funds was found for these enterprises. The implementation of the bank risk control system needs to be "in place". In fact, in recent years, incidents of loan fraud by forging qualifications have occurred frequently, from the initial "mortgage fraud" to the current "business loan fraud" by forging qualifications, and the methods have been continuously upgraded. The Jiangsu Provincial Prosecutor's Office once disclosed a loan fraud case, in which a loan fraud gang searched for individuals with good credit records across the country and lured them with large sums of money. Under the packaging of the gang, these individuals became corporate legal persons and successfully obtained a large number of loans from banks. In the case announced by the Ministry of Public Security, the suspect of a certain case in Zhangmou, Jiangxi Province forged the real estate ownership certificate, account book and other loan information under the name of 77 lenders, colluded with the credit customer managers of individual commercial banks, and successively handled 89 personal mortgage loans, defrauding a total of 110 million yuan of bank credit funds. In July 2025, the State Administration for Financial Regulation issued a risk warning on being wary of the "professional debt" trap. There are several tricks mentioned in the "professional debt trap": false advertising to lure, forging materials to defraud loans, and extracting high profits. And it is reminded that once an individual becomes a "professional debtor", they will face risks and hidden dangers such as bearing high debts and personal credit damage. But there are still some groups and individuals who are willing to take risks. The insiders suggested that banks should strengthen staff behavior management, implement the system of pre loan investigation, in loan investigation and post loan inspection, and strengthen the monitoring of abnormal capital flows and related party transactions. (New Society)