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员引导借贷了70万元。直至借贷后一个月的还款日,周茂才意识到自己是实际借款人。  综合多位受访者的表述,“AB贷”骗局通常具备以下典型特征:  1、由服务公司的业务员以及A引导B至线下沟通,期间通过各种话术查询征信、引导借贷,很多时候涉及多笔借贷,甚至最后的借款金额会高于A原本的资金需求。  2、隐瞒或遮掩B是实际借款人的事实,或者虚假承诺一定期限(如文中的6个月)内会解除B的借贷关系,同时在B账

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