"Topless IOU" lenders peddling girls nude online: 30 yuan each treasure-borrowing, nude, loans, College Student-IT information

Related reading: borrowing treasure in response to female college students "naked" credit: to cooperate with the investigation

Black means to campus credit upgrade again! If the media exposure of the campus in the past loan interest rates high, hidden ignorance and fear of fraud is the use of college students looking to profit, "naked" net lending there had been thoroughly penetrated the public's bottom line.

Recent media surveys found that in the context of national campus of harsh crackdown of illegal loans, loan sharking groups via the Internet, and developed the "naked lending" business. The borrowing, topless alternative handheld ID card to the borrower IOU. When you default on repayments and lenders with public nude and means of contact with the borrower as a threatening force borrower.

Media found that although borrowers and lenders of money in professional Internet lending platform, but in fact, the platform is just a cover, or a disguised means of hiding. The real deal amount several times, in order to avoid illegal money lending designed transfers detailed agreement has been reached in the QQ chat. Episode worse campus loan business is bypassing a legal defense line, secrecy. Victims will be accompanied by family alarm; otherwise borrowers borrow learned the way to profits, which in turn become lenders, continued the illegal practices.

Is more hateful, evil lenders and does not receive payment when reporters found, someone on the Internet selling girls naked credit photos, price is only 30 yuan a piece! HD! Uncensored! Identity information is complete !

Campus loan usury hidden word game by playing bad big scam

Just pushing 3 months time, public concerns about campus credit comes from a piece of news-betting embroiled in "campus credits": College student loan debt more than 600,000 to commit suicide. Henan animal husbandry economy, Zheng Dexing of college students for participating in online gambling, fraudulent use or borrow student identity was "campus loan", were owed more than 600,000 money, eventually committed suicide.

In 2009, the China Banking Regulatory Commission issued a notice prohibiting bank cards to those under the age of 18, credit card issuers to students who have reached the age of 18, through parents, second source of repayment after the written consent of the parties. After that, campus credits becoming an emerging financial power moved into the campus of the University.

Today, campus credits often play the "interest rates as low as 0.99% per month" or even "zero down, zero interest" this stunt, but the actual financing cost is not low. According to insiders, and consumption in phases or stages cash loans are generally equal principal and interest repayment, on the surface a month interest principal interest rate is not high, but in fact the principal each month decrease, if converted to monthly income due in principal, the actual annual interest rate "is still high".

In some loan platform launched a Samsung mobile phone installment, for example, explosive 5688 Rob price, monthly contributions of $ 293.32, 24 payments, on the surface a month pay "service charge" 56.32 Yuan a year interest only 675.84 Yuan, annual interest rate 11.88%. But because the principal reduction every month, based on the actual cost of capital calculation, capital costs more than 20%.

Campus loan usury, college students are the biggest victims. From sky-high interest rates to be asked to upload nude pictures dream step by step upgrade

If, when the Campus Crusade also focused on loan interest rates and credit appraisal, financial areas of expertise, "naked" net credits appeared the social dimension of the affair on another, more severe.

It was reported that in February this year, female university student Li Li (pseudonym), she registered for business in an online lending platform. According to his recollection, the platform the real-name system, have to upload ID card, student ID card and fill out the family information, including family contacts. Through the platform, she first borrowed 500 Yuan, Zhou at 30%. Expires not on her old debts borrowed new debt ... ... She has reached 55,000 yuan in arrears!

Lily said, when the amount owed tens of lenders had repeatedly to her collection. At this point, he or she no longer borrow easily, requiring that their nude handheld ID card as collateral, repayment and then returned to her photos. In desperation, Li Li had to do so. Soon, the new repayment date arrived, Lily still can't do it. Show, don't also will send photos to their family and even open.

Reporters found that in some borrowing QQ Group, as long as the one whom girls nude, there will be a lot of people contact. Most female students involved are reluctant to tell their stories publicly. Lenders hold the female students ' timid psychology, increasingly rampant.

Female college students think that their payments will be able to buy peace, "naked" issue will be lost, it would be a foolish na?ve! Reporters at a so-called "naked" groups found that someone had just bought the photos of naked female student loan or micro-group of someone in the audience raised, each girl's nude photos 30 yuan each loan.

Soon, the Group of people set up 30 yuan, after about 10 minutes, people raised in the group came in schoolgirls naked, and holding pictures of their ID card, ID card name, number, address are very clear, photo is "HD uncensored"!

Topless to lenders in his hand, the rules of the game can not help female students to manipulate. Now is 30 yuan each in the Group raised, will be where, on what occasion was used, everything is unknown. Such transactions, sales is a girl's dignity. The so-called "credit-based" campus credit, no credit, no rules, sliding toward the abyss of law and morality.

Tear off campus credit hypocritical mask operation is suspected of violating the

The "naked" net lending borrowing Bao is a platform around. Reporter in "borrowing treasure" seen on the platform, the platform provides annual interest rates of between 0zhi24%, in line with national law on folk debit and credit interest rates. But participants said their week rates are often as high as 30%, it is clear that irregularities. So, how illegal lending would have bound online lending platform to achieve it?

According to insiders, students borrow 5000 Yuan, Xiao Wang, for example, released Wang needed to borrow $ 6500 worth of borrowing, borrowing after boss answered, call Wang 1500 Yuan and Wang by "borrowing treasure" 1500 Yuan back to the boss, boss after receiving the money, then 5000 Yuan to Wang .

In this way, Wang had actually received only 5000 Yuan, but according to 6500 Yuan interest rates for repayment. Owner by such a high interest rate of borrowing, to avoid "borrowing treasure" monitoring platform. Super high interest rates have made people feel unforgivable, talons into college students ' physical privacy and information privacy is appalling. Topless as collateral, themselves are not in conformity with the contract law and the law on security. If the huge interest to coerce illegal not only suspected of violations of the right to privacy, more on suspicion of extortion.

Risk have a responsibility to not open around the platform, lending treasures hard to prove innocence

"Lending treasures" established by the rules of the game: someone wants to borrow money from borrowed treasure, it is necessary to add another "acquaintance", after which you can borrow money, platforms do not bear the credit risk. But is this really the case? Show lending processes, real through advance deduction of principal of usury, lending treasures should know; with the ID card, student confirmed registered user information, lending treasures can also find; users borrow the treasure platform "topless borrowing", Bao said, borrowing without the knowledge.

Has experts in accept media interview Shi said, on responsibility of bear, can reference network infringement field of haven rules and red flag rules, in "not knows, not should know" of situation Xia by occurred of lending who on borrowing who implementation of infringement and crime behavior, borrowing platform can from bear legal responsibility, but for obvious of illegal information, platform has monitoring excluded of obligations, especially after borrowing who reflect complaints or police organ informed, platform has informed of illegal information not to timely delete, and Shield damage as a result of enlargement, should bear joint and several liability.

Public security network supervisor, linkage and cut NET loans black chain

In April this year, the Ministry of education the Office of the General Office of China Banking Regulatory Commission jointly issued a circular on strengthening the campus bad debt risk prevention and education work of the law. Clearly, unauthorized campus to promote network lending in accordance with disposal. The problem was, and borrowing once into line connectors, offline trade, in practice do not need "approved". In response to this phenomenon, regulation should be free from the traditional model, but also "go-live". For example for net loan trading platform, the recurring number change to check on suspicious transactions; in micro-groups of QQ Group, once found release "naked" net credit information or publish a nude, must also implement the closure in a timely manner, and the suspects involved realize the line trace.

Both usury, DUN, and the nude photos threatening repayment, social platforms, exposed nude, our country has specific laws and regulations. Only, all kinds of supervisory organs of public security organs will be heavily regulated, normal, outlaws head will be sword-long suspension, not to mess things up. The matter was revealed by the media, a lot of people sigh revealed nude photos of female students "brainless", "IQ rush", but is more important than taunts victims, the whole society should be action against perpetrators.

Students should understand the law, and to take responsibility for their actions

Female college students are forced to resort to "naked credit" this step, either because I don't want to get money from his parents, who want to own the ability to gamble, some have been caught, if you want to get out there is no other way . But reporters wanted to say is that no matter what the circumstances, control your excessive material desires, through work-study programs, paid by honest labor, is desirable, even if it has a rainy day, or through the proper channels, such as help-family member, teacher, school or regular social assistance, in order to really solve the problem. Trying to not so reliable online lending platform for economic satisfaction, prior to the camera, it is necessary to anticipate its potential risks.

This on the one hand the demands on the financial ability of college students. Social financial activities, dealing with full understanding of its form, the way to do, avoid falling into the trap others by early adopters. The other hand, risks to girls should be some anticipation, adhere to their bottom line. You know, their nude pay to others, behind things entirely from their control. If the repayment issue does arise, to the elders, family members, and even legal help-timely, than to deliver their physical privacy is much more rational.

As has chosen to report female students involved said that, "this step once, who does not regret it." Not because of his impulsive, make yourself regret for life.

“裸照借条”放贷人网上叫卖女生裸体照：30元一张 - 借贷宝,裸条,贷款,大学生 - IT资讯

相关阅读：《借贷宝回应女大学生“裸条”借贷：配合调查》

校园贷的黑色手段再度升级！如果说，过去媒体曝光的校园贷利率超高、暗藏欺诈是利用大学生的无知与胆怯伺机牟利，如今“裸条”网贷的出现则已彻底击穿了公众的底线。

近日，媒体调查发现，在国家严厉打压非法校园贷的语境下，有高利贷团伙借道互联网，并开发了“裸条放款”的业务。即进行借款时，以借款人手持身份证的裸照替代借条。当发生违约不还款时，放贷人以公开裸照和与借款人父母联系的手段作为要挟逼迫借款人还款。

媒体发现，虽然借款人与放款人的金钱交易多在专业互联网借贷平台进行，但实际上，平台只是一个幌子，或者是变相隐藏的手段。真正的交易金额、为避免成为非法高利贷所设计的多次转账细节已在QQ等聊天工具中达成协议。情节更为恶劣的校园网贷业务正在绕开一道道法律防线，秘密进行。有受害者表示将在家人陪同下报警；另有借款者通过借钱了解到该途径存在暴利，转而又成为放贷者，将非法行为延续下去。

更可恨的是，放贷人的罪恶并不会在收到还款时终止，记者调查发现，有人在网上叫卖女生裸贷照片，价格仅为30元一张！高清！无码！身份证信息完整！

校园贷被玩坏文字游戏暗藏高利贷惊天骗局

若把时间仅仅往前推3个月，公众对校园贷的担忧源自这样一则新闻——因赌球深陷“校园贷”：大学生借贷负债60多万自杀。河南牧业经济学院学生郑德幸因参与网络赌球，冒用或借用同学身份信息获得“校园贷”，共欠下60多万巨款，最终选择跳楼自杀。

2009年，银监会下发通知，禁止银行向未满18岁的学生发信用卡，给已满18岁的学生发卡，要经由父母等第二还款来源方的书面同意后。在那之后，校园贷渐渐成为新兴的金融力量，进驻大学校园。

现如今，校园贷产品经常打出“利率低至0.99%每月”甚至“零首付、零利息”这样的噱头，但实际的贷款资金成本并不低。据业内人士介绍，分期消费或者分期现金贷款一般是以等额本息的方式还款，表面上看每月还的利息相对本金利率不高，但实际上本金每月在递减，如果换算成每月还息到期还本，实际的年化利率“还是比较高的”。

以某贷款平台推出的一款三星手机分期为例，爆抢价5688元，月供为293.32元起，分24期还款，表面上看每月仅需支付“服务费”56.32元，一年利息只需675.84元，年利率11.88%。但由于本金每月都在减少，按实际使用资金成本测算，资金成本超过了20%。

校园贷变身高利贷，大学生无疑是最大的受害者。从天价利息到被要求上传裸照噩梦步步升级

如果说，当初人们对校园贷的讨伐还集中在利率和信用考评等金融专业领域，如今“裸条”网贷的出现则将事件导向另一个更为恶劣的社会层面。

据报道，今年2月，女大学生李丽（化名）她为创业在一家网络借贷平台注册。据其回忆，该平台实行实名制，必须上传身份证、学生证以及填写家庭信息，包括家里人的联系方式。通过该平台，她第一次借了500元钱，周利率30%。到期没还上，她就借了新债还旧债……目前她的欠款已达5.5万元！

李丽说，在欠款金额过万时，借款方曾多次向她催款。此时，对方已不再轻易借款，要求其手持身份证拍裸照作抵押，还款后再将照片退还给她。无奈之下，李丽只得照做。很快，新的还款日到了，李丽仍还不上。对方表示，不还的话就会把照片发给其家人甚至公开。

记者发现，在一些借款QQ群里，只要喊一句谁接女生裸条，就会有很多人联系。而大部分卷进来的女学生都不愿意公开讲述自己的故事。放贷者正是拿捏住了女大学生胆小怕事的心理，愈加猖獗。

而女大学生若以为及时还款了就能破财消灾，“裸条”一事就会化为乌有，那就太傻太天真了！记者在一个所谓的“裸条”群里面发现，有人正在发着刚刚买来的裸条贷款的女学生的照片，甚至微信群里有人发起了众筹，每个女生的裸贷照片30元一张。

很快，群里的人就集起了30元钱，大约10分钟后，发起众筹的人在群里发来了女学生全身赤裸、手里举着自己的身份证的照片，身份证上姓名、号码、住址都非常清楚，照片更是“高清无码”!

裸照到了放贷者手里，游戏规则就由不得女学生操纵了。如今是30元一张放在群里众筹，将来还会流向何处，在什么场合被使用，一切都是未知数。如此交易，贱卖的是女孩的尊严。所谓“基于信用”的校园贷，就在这样毫无信用、毫无尺度的规则中，滑向了法律与道德的深渊。

撕下校园贷伪善面具操作已涉嫌违法

在此次“裸条”网贷时间中，借贷宝是个绕不过的平台。记者在“借贷宝”平台上看到，平台规定的年利率为0至24%之间，符合国家关于民间借贷利率的法律规定。但据参与者透露，他们的周利率往往高达30%，显然不合规定。那么，违规的借贷是怎样在本该有约束的网贷平台上实现的呢？

据知情人透露，以学生小王借贷5000元为例，小王需发布借款6500元的借款标，借款老板接标后，先打给小王1500元，再让小王通过“借贷宝”将1500元还给老板，老板收到钱后，再将5000元打给小王。

这样一来，小王实际只收到了5000元，却要按6500元的利率进行还款。借贷老板就是通过这样的方法收取高利率，逃避“借贷宝”平台的监测。利率超高已让人觉得不可饶恕，将魔爪伸向大学生的身体隐私和信息隐私则更是令人发指。以裸照作为抵押物，本身也不符合《合同法》和《担保法》。若以此要挟不合法的巨额利息，不仅涉嫌侵犯隐私权，更有敲诈勒索的嫌疑。

平台风控有绕不开的责任，借贷宝难自证清白

“借贷宝”设立的游戏规则是：一个人想通过借贷宝借钱，就要添加另一个为“熟人”，之后就可以借钱，平台不承担借贷风险。但事实真是如此吗？从前文展示借贷流程来看，通过预先扣除本金的方式搞实际的高利贷，借贷宝应该知道；用身份证、学生证实名登记的用户信息，借贷宝也一定可以查到；用户在借贷宝的平台上搞“裸照借贷”，借贷宝表示完全不知情。

有专家在接受媒体采访时表示，关于责任的承担，可参照网络侵权领域的避风港规则和红旗规则，在“不明知，不应知”的情况下所发生的放贷者对借贷者实施的侵权乃至犯罪行为，借贷平台可免予承担法律责任，但对于显而易见的违法信息，平台负有监测排除的义务，特别是经过借贷者反映投诉或公安机关通报，平台已经获知的违法信息未予及时删除、屏蔽而造成的损害扩大部分，应承担连带责任。

公安网监联动，斩断网贷黑色利益链

今年4月份，教育部办公厅联合中国银监会办公厅印发了《关于加强校园不良网络借贷风险防范和教育引导工作的通知》。其中明确，未经批准在校园推广网络借贷的要依法处置。但问题是，借贷行为一旦转变为线上接头、线下交易，在实际中根本就不需要“批准”。针对这一现象，监管应摆脱传统模式，也要及时“上线”。比如针对网贷交易平台，对反复出现数字变化的可疑交易要进行倒查；在qq群微信群中，一旦发现发布“裸条”网贷信息或者发布裸照的，也必须实现及时封号，并对涉案嫌疑人实现线下追查。

无论是放高利贷、逼债、还是以裸照威胁还款、在社交平台曝光裸照，我国都已有专门的法律法规对应。只有公安机关、各类监察机关将监管严格化、常态化，不法分子的头顶才会利剑长悬，不敢胡来。此事被媒体曝光后，不少人叹息被曝裸照的女大学生“没脑子”、“智商捉急”，但比奚落受害者更重要的是，全社会应当行动起来消除施害者。

大学生应懂法，要对自己的行为负责

女大学生被迫走到“裸贷”这一步，有的是因为不愿意找父母要钱，有的是想凭自己本事搏一把，有的是已经被套牢了，要想抽身除此之外别无他法。但记者想说的是，无论在什么情况下，控制住自己过分的物欲，通过勤工俭学、诚实劳动来获得酬劳，才是可取的方式，即便真有不时之需，也可以通过正当渠道，比如求助家人、老师、学校或正规的社会救助力量，才能真正解决问题。试图通过并不那么靠谱的网贷平台一下子获得经济的满足，在自拍之前，就要预想到其可能潜在的风险。

这一方面对大学生的理财能力提出了要求。在参与社会金融活动时，应对其形式、方式做充分的了解，避免因尝鲜而落入他人圈套。另一方面，女孩子对面临的风险应多一些预判，恪守住自己的底线。要知道，将自己的裸照发给他人，后面的事情就完全由不得自己把控了。若是真的出现还款问题，及时向长辈、家人、甚至法律求助，也比交付自己的身体隐私要理性得多。

正如已经选择报案的涉事女大学生说的那样，“一旦迈出这一步，谁不后悔呢”。不要因为自己的一时冲动，让自己悔恨终身。