●在犯罪团伙的操作下,不明真相的民间资金相继进入房屋信贷流程,而一旦“过桥”资金到手,借款人就会主动放弃个人信用,成为背债人。案件进入诉讼程序后,垫资方往往因耗不起,不得不选择接受调解方案。就这样,大几百万元的借款缩水成几十万元,犯罪团伙获益颇丰。

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