What should I do if I see my favorite bags, cosmetics and electronic products and have no money to buy them?
More than a month ago, Wang Yi, a college student in Guangxi who was short of money, tried online loans. In a QQ group named "College Student Loan", I took my nude photos and videos as collateral and borrowed 5,000 yuan from the group owner, with a monthly interest of 27%. Afterwards, as the "naked" lending storm gradually started, her mood began to be difficult to calm down.
"I especially regret doing such a thing now." Wang Yi told China Youth Daily and Zhongqing Online reporter that at first he thought he could repay it in one month, but later he found that the interest was too high to repay. Failure to repay the loan on time means that she not only has to bear high interest, but also the nude photos of the mortgage may be published online at any time.
This kind of worry is not superfluous. Recently, some people have packaged photos and videos of "naked strips" with a capacity of 10G and spread them online, involving personal information, contact information of relatives and friends, and private photos and videos of as many as 167 female college students.
According to a survey conducted by China Youth Daily and Zhongqing Online reporter, "naked loan" attracts many female college students like Wang Yi because of the low threshold, simple process and quick collection of money. On QQ, WeChat, Weibo and other social tools, there is a lot of information about college students’ "naked lending". At present, "naked lending" has derived from "meat repayment", "naked selling" and "loan teaching".
Tian Feng, a lawyer of Beijing Dajia Law Firm, said that "naked lending" may be suspected of violating many laws and regulations.
Received a loan of 5,000 yuan in 3 minutes. Too many people and friends were frequently harassed.
Contrary to the long-lasting nightmare, Wang Yi got the money quickly and smoothly. Wang Yi recalled that after contacting the owner, the other party sent a form. She filled in her name, age, height, ID number, student ID number and guarantor in turn, and took her nude photos and videos as collateral.
"After handing in the materials, I received a loan of 5,000 yuan in Alipay in less than 3 minutes." She said.
The monthly interest on this 5,000-yuan loan is 27%, and the monthly repayment by Wang Yi is as high as 1,350 yuan. Without a source of income, she had to borrow money from three lenders to repay her debts. The highest monthly interest rate of these three lenders is 30% and the lowest is 17%.
"I thought I could pay it back in a month at first, but later I found that the interest was too high and I was increasingly unable to repay it." After coming to her senses, Wang Yi found that her total arrears had reached 89,000 yuan, and these arrears were still rising.
"When signing the loan contract, they said that they could pay it back slowly, absolutely ensuring personal privacy, and photos and videos would never be leaked." Wang Yi told the reporter of China Youth Daily and Zhongqing Online that when the total amount of her arrears reached 60,000 yuan, the borrower began to call her several times to urge her for money.
"They said that if they didn’t pay back the money, they would post nude photos, videos and personal information online, and they would call their family and friends, so I wouldn’t dare to answer the phone." Soon after, the lender told Wang Yi’s parents about the loan. "My family receives dozens of phone calls every day, and my parents are embarrassing me. What’s even more frightening is that I don’t even know if my photos and videos have been hung online. "
According to the personal information flowing out from the platform of Lending Treasure, the reporter of China Youth Daily and Zhongqing Online dialed these calls, some of which showed that they were shut down or turned off, and some of them showed that they were on the phone after ringing. The reporters sent text messages to the phones that could be connected, and only one person responded, "I don’t have such a daughter without an interview."
"Naked" loans frequently give birth to prostitution services.
In the early morning of December 1, Lending Bao issued the Announcement on the Leaking of Ungraceful Photos of Online Lending Bao through Lending Bao Guanwei, saying that Lending Bao did not provide the function of sending photos, and the photos that flowed out this time were the result of packaging the "naked strips" exposed in June.
China Youth Daily Zhongqing Online reporter found in QQ group search that more than 300 online loan groups appeared when keywords such as "loan" and "college student loan" were entered. In these online loan groups, in addition to engaging in "normal" student loan business, they also engage in "naked loans". The maximum number of people in the group can reach 1982, and the minimum number is about 300.
In order to avoid supervision, most naked QQ groups blur the group names, changing from "naked loan" to "fruit loan" and "meat compensation" to "sausage".
In all kinds of "naked loans" QQ groups, messages pop up from time to time: "Female college students lend naked, 3000 for junior college students and 8000 for undergraduate students without any upfront fees. The settlement period is January, and the interest is 20%." "A female college student with high face value, and a virgin, with a loan amount of 10,000 yuan and interest of 28%."
After a reporter from China Youth Daily and Zhongqing Online sent a loan message in a naked QQ group, three lenders contacted the reporter.
"Naked loans are only open to female college students, and the interest rate is 25% per month. There is no bargaining." Lender Liu Hui told reporters that there are many female college students who have borrowed from him now. "Except for some families who are in urgent need of money, most of them want to buy bags, cosmetics and electronic products."
Liu Hui said that if he wants to borrow money, the borrower needs to send 10 nude photos of his hand-held ID card, 3 photos of his private parts, a shower video of not less than 3 minutes and other videos of not less than 3 minutes to the designated mailbox. Only after the audit is completed can the loan form be filled in, and finally the loan can be released. Subsequently, the lender sent three photos and two videos, "According to this standard. There are too many defaulters, and the requirements are very strict now. "
Liu Hui said that if the principal and interest can’t be paid off within the specified time, "meat compensation" is needed. He told China Youth Daily and Zhongqing Online reporter that the so-called "meat compensation" is that he acts as an intermediary to ask girls who can’t repay on time to get the repayment of funds through prostitution or being "adopted".
"We have customers, but they are not fixed. They are absolutely healthy physically and are all rich people." Liu Hui said that many female college students have settled their debts in this way. But the specific number of times depends on their own qualifications. "If you are beautiful, a virgin, or a female college student in a key university, maybe someone will support you."
In addition, in a QQ group named "Beijing University Student Loan Group", the reporter found that in addition to the lenders engaged in the "meat compensation" business, some people specialize in the "meat compensation" intermediary business and extract "labor fees" from it.
Wang Yu, an intermediary engaged in the meat compensation agency business in this group, sent several nude photos of female college students and said that there are two ways to "play", one is to serve "fast food" and the price is 400 yuan; One is for "overnight" service, and the price is 1000 yuan. Wang Yu also stressed that "these are all college students in Beijing, and they are on-site service, and they are guaranteed to return and exchange. It is not that college students don’t want money."
"naked lending" and selling "naked strips"
In addition to the business of "naked lending", selling "naked lending" has also become the main business for lenders to make profits. According to a person engaged in this business, selling "naked strips" means that in the "naked loan" transaction, the nude photos, videos and personal data of borrowers who are unable to repay are taken to the Internet for "price sale".
According to the reporter of China Youth Daily Zhongqing Online, the information of selling naked strips is very common in social tools such as QQ, WeChat and Weibo. Some people even openly set up "naked strip sale" QQ group and WeChat group.
In a QQ group named "College Students Borrow Loans", more than 60 messages about selling naked strips are sent by the group owners every day. All members of the group are forbidden to speak, and only the group owner can send the information of selling naked strips. In front of each group member’s QQ nickname, the words "resource private chat group owner" are marked.
China Youth Daily Zhongqing Online reporter then contacted the group owner Li Guang as a buyer. Li Guang said that the "naked strip" in his hand came from a friend who was engaged in "college student loan" and the information was "recent" and "very complete". At present, he has about 13G videos and photos at hand, which will be updated in the future. Through screenshots, the reporter found that these "naked strips" came from all over the country, with more than 1,500 photos and more than 300 videos.
"The videos and photos are played by some college girls ‘ Naked strip ’ After borrowing, you can’t repay the account on time. " Li Guang said that there are two ways to sell "naked strip" resources. One is the ordinary purchase method, the price is 80 yuan, and only the old "naked strips" are packaged. The other is VIP purchase, the price is 130 yuan, in addition to packaging the old "naked strips", there will be a one-year free "naked strip" resource update.
Through the screenshot of the email "delivery" sent by Li Guang in the group, the reporter found that these "naked strips" are basically updated every day, and there are more than 30 "buyers". As of press time, the update date of "naked strip" is December 3.
May be suspected of violating many laws and regulations.
In QQ groups and WeChat groups that provide loan services, news about "naked loan" teaching is also very common. According to the investigation of China Youth Daily and Zhongqing Online reporter, "naked loan" teaching business has also become a new "gold-sucking" business for lenders.
In the name of wanting to learn the loan business, the reporter contacted a loan teaching practitioner named "A College Student Financial Loan Studio" on QQ. The person said that she is not only engaged in lending business, but also engaged in loan teaching. The business taught by the professor includes: how to make bills, how to communicate with customers, how to find customers, and so on. "With a down payment, 1000 yuan can start learning and teach until you learn."
She "calculated an account" for the reporter: there are about 30 students who ask her for loan advice every day. If she makes a single order a day and charges 500 yuan interest, she can earn 3,500 yuan a week. "Of course, you just started may not be skilled. But now student loans are hot, and working hard for a week, earning 2,500 yuan should not be a problem. "
She said that more than 20 people have been "apprenticed", mostly college students. Moreover, I have a lot of resources in my hands, which can ensure the safe recovery of the loans. "If someone doesn’t repay, you give me their information, and I’ll carry out the information for you ‘ Bombing ’ Call every day to collect the arrears. You don’t have to worry about the funds for lending, we will bear it. "
"At present, in addition to direct transfer by credit, naked loans can also be made through online platforms." She told China Youth Daily and Zhongqing Online reporter that "naked loan" is most frequently used on two platforms: Lending Treasure and Borrowing Now. "These two institutions are like intermediaries. They can make IOUs online, and if the borrowers don’t repay, they can also help collect them."
After investigation, it was found that both "Lending Treasure" and "Borrowing Today" platforms mainly focus on acquaintances’ lending. Among them, "Lending Treasure" claimed in official website that it pioneered the one-way anonymous lending model among acquaintances (that is, the borrower’s real name and the lender’s anonymity), and realized direct financial transactions through the connection mechanism between people on the Internet, realizing the market-oriented pricing and free trading of personal credit. The mode is free, and the amount, interest rate and term are controlled by the lender. At the same time, a three-dimensional debt collection system has been established, with independent custody of funds and professional legal support.
At present, there is no mobile App on the "Today Borrowed" platform, only the website and WeChat subscription number. Among them, the website (www.jinjiedao.cn) can’t provide services, and it is only a publicity page. The main account of the "Borrowed Today" WeChat subscription number is Beijing Xiaoma Venture Capital Co., Ltd. In its function introduction, it is written that the first online IOU management platform in China has the main functions of playing IOUs, seeking loans and checking credit.
China Youth Daily Zhongqing Online reporter also learned that the cooperation institutions of the platform include UnionPay Mobile Payment, Shanghai Financial Information Industry Association, SEQUOIA, Micro Wealth, Yilian Payment, ZERO2IPO, Bairong Jinfu and Pengyuan Credit Information. In the lending service provided by the platform, the loan amount, repayment method, repayment date, service fee and annualized interest rate can be entered at will, of which the annualized interest rate is up to 24% and the loan amount is up to 200,000. In addition, individuals can also put funds in the platform for lending, repayment methods and loan duration can be independently selected, and the annualized interest rate cannot exceed 24%.
For "naked lending", Tian Feng, a lawyer of Beijing Dajia Law Firm, said that this lending method may be suspected of violating many laws and regulations, and the lender may even be suspected of criminal offences.
Tian Feng said that according to relevant laws and regulations, lending platforms or social networking platforms are obliged to review relevant content, and assume the responsibility of cleaning up and managing QQ group, WeChat group and WeChat WeChat official account in the platform. "For ‘ Naked loan ’ This kind of lending behavior, if the lending platform or social platform fails to fulfill its obligations of cleaning up and management, also needs to bear relevant legal responsibilities according to relevant laws and regulations. "
Tian Feng told China Youth Daily and Zhongqing Online reporter that "naked loan" is still a loan relationship in the final analysis, and there is no way to generalize whether these loan contracts are valid. It is effective only from the perspective of loan relationship — — In lending, female college students voluntarily mortgage their nude photos or videos to lenders to obtain so-called loans. "However, according to the relevant laws and regulations, if the annual interest rate of loans is greater than 24%, it may not be protected by law."
"Lenders upload nude photos and videos of girls to the Internet, which is suspected of spreading obscene articles; Uploading the personal information of girls, relatives and friends to the Internet is suspected of infringing citizens’ personal information; Calling to harass, threaten and intimidate is suspected of violating the People’s Republic of China (PRC) Public Security Administration Punishment Law. If the lender’s behavior is suspected of a criminal offence, it may bear criminal responsibility. " Tian Feng said.
(Wang Yi, Liu Hui and Li Guang are all pseudonyms in the text)
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