Female college students ' "naked borrowing" behind normal borrowing won't do it-nude, nude, borrowing treasure-IT information

Recently, a "nude female students when the ious" news networks spread quickly.

Network of acquaintances as a debit transaction platform lending platform – lending treasure, once again becoming the focus of media attention. Subsequently, borrowing Bao released micro-now available for the event is still in the investigation.

In the view of the industry, for the "naked" incident exposed, in addition to enhance the education of college students ' consumption, helping it set up right outside the view of consumption and, more importantly, is the importance of regulatory ground.

Week card for 30%

The China Business Journal reporter by searching keywords, found a number of terms such as "Bao college student borrowing, borrowing" QQ Group exists.

When the QQ Group as reporter to the borrower expressed the hope that after a quick loan, many netizens claiming to be lenders add QQ as a reporter. With the lender negotiations, the reporters initially learned that borrowing specific operational processes for: both parties privately discuss loan amounts and interest rates, borrowing money people need to submit the various privacy data, and handheld ID card photos. Then, add good on both sides, by borrowing the treasure platform to reach a deal. For a loan amount larger borrowers, lenders also need to provide a "naked".

So-called "naked", that is, borrow, borrower handheld ID card and take naked pictures or short videos. When you default on repayments and lenders with public nudity photos and videos coerce forced means of contact with the borrower as borrower.

It is understood that the lenders ' minimum weekly income of interest 20%, General 30%, and interest each week a knot. Apart from the buckle portion of the deposit, even a lender after a loan is made to give a 10% intermediate.

To borrow $ 3000, for example, the lender requires less 1000 Yuan deposit, pay interest on the principal will be returned to the borrower and deducted 10% fee is 300 yuan, a lender only 1700 Yuan.

"30%-week rate is not high, attachment of gold just in case, we are borrowing over the Internet, after all, we don't know about you, if repayment problems behind, which finally led to the loan goes bad, it's my own loss. "A lender told reporters that as long as the payments on time," naked "must be removed, otherwise it will not" polite ".

On June 15, Bao official micro-blog-related events said, borrowing, the company has for the first time on the authenticity of the events launched an investigation and investigation is still underway, the company also found the party through the line of contact, and sending SMS expressing concern and support, has not yet returned.

In addition, the platform realized at the school does not have full repayment ability of college students, which had earlier banned the promotion of cooperative extension in College, and stop the "users with cash" subsidies for activities. Next, Bao intends to 18~22sui college student groups, lending lending quotas, reduce the risk of irrational lending space, efforts to strengthen supervision and risk control of the platform.

For earlier media reports that female college students borrow weeks income reached 30%, exceeds the scope of legal protection, loan Bao said in a Twitter, the platform sets the maximum interest rate for the year of 24%, in line with national law. Appeared in media reports after high interest rates should be debit and credit sides privately agreed, through the "rebates" and other ways. "If the user agreement which is over platform real borrowing rates below the line maximum annual interest rate 24% qualified to borrow if you provide valid evidence, lending treasures can help its relief through judicial channels for illegal parts. ”

Meanwhile, Bao said, borrowing, number of credit institutions and credit data and other third party providers depth cooperation, butt Court list of credit and banking, Internet banking platform promise list. Comprehensive utilization of various risk models, identifying potentially high-risk transactions and need the user prompt. In addition, work will continue to advance user guide, call for user rational lending, adhere to the "not familiar does not lend."

In fact, our Supreme Court earlier to clear of the folk debit and credit interest rates. According to the Supreme People's Court on trying civil cases of borrowing applicable legal provisions on several issues (hereinafter referred to as the regulations), the interest rate does not exceed the annual rate of borrowers and agreed by 24%, the lender has the right to request the borrower pay interest on the prescribed interest rate, but if the rate exceeds the annual rate of borrowers agreed 36%, the portion of the interest exceeds the annual rate of 36% should be determined to be invalid.

In other words, 24% per annum this wire following the interval to the judicial protection area, the debit interest will be recognized by the Court as agreed; interval over 36% per annum this thread is not a valid zone over 36% of interest will not be recognized by the courts. As regards the part between 24% and 36%, it depends on whether the borrower has to pay already paid are not refundable, no payment no payment.

Worth noting is that requirements of the regulations, if a borrower has voluntarily paid more than 36% per annum interest, you can sue to recover the part of interest.

Lack of supervision

The "naked" event, Beijing capital law firm Internet financial Legal Affairs Director Zuo Shenggao believes that if students took nude photos of borrowing money as collateral for the lender, then the law is invalid. Nude photos cannot be used as collateral, topless is not a real right, belong to the category of reputation, so use photos as security law does not recognize. If the threat posted online, it not only violated the party's reputation, may also constitute a crime of spreading obscene articles. In addition, the platform if there is lax review of issues, would be in violation of the relevant provisions, the regulator should be investigated and prosecuted.

Zuo Shenggao said some school loans take the form of false advertising, lead student loans, for lack of social experience of students, it is easy to get into, harm of such acts is very large, "for the students, the most important thing is to get money."

Wheat gold clothing CEO Huang Darong said in an interview, female students "naked" event, likely usury relationships with schools around, it is recommended that States should protect college students from many aspects. First, the State can more student loans, providing further support to students; second, the State should support the true loan platform for open and transparent network, only through such transparent platform to drive loan-sharking. "If countries adopt a ' one size fits all ', does not ease, but student consumer demand cannot be suppressed, then will return to campus it will loan-sharking hands. ”

Industry South of cynical says, personally think that nude photos of female college students borrow money to individual cases, even, must also be accounted for very small things, because anyone in his right mind wouldn't do such a thing. Assume that if topless really helps, so you have money it is impossible to ensure others will publish topless, trouble all his life, this kind of thing, people who are not ready to pay back the money, will do things.

Appear "bare" this phenomenon as a trading platform need to bear the responsibility? In response, Beijing Guo Dagang Net credit industry Association Secretary-General believes that platform shall perform the appropriate principles, put the right product is sold to the right people, if the platform is not a proper principle, does not fulfill the principle, then the platform was to blame, rather than a product fault.

According to Analysys think tank released the China campus consumer market research report showed that throughout 2015 P2P network credit market up to 868.6 billion yuan, an increase of 331.6%. Acceptance of higher college students are more willing to try new things, and excessive consumption. 2016 campus lending industry is entering a stage of rapid development, each involved in campus lending platform is more competitive.

Current campus loans or by consumption of college students in three ways: a staging platform is designed for college students, also provides a lower limit of cash withdrawal, this is the shopping platform began staging; second P2P lending platform for student and entrepreneurship; third, Alipay flowers, Jing dong white and so on.

According to incomplete statistics, more than 80 of the P2P platform to participate in college students ' consumption loan business and consumption platform in stages in recent 30% funding comes from P2P. However, many college students ' loan products are opaque, almost 80% platform rates of unclear, and regulatory gaps in consumer credit of college students.

In this regard, said Internet financial law Dean Li Aijun, China University, campus credit problem has reached the point where urgent, as it has affected the normal education in universities and in order. Recently, the General Office of the Ministry of education, 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. Clear that unauthorized on campus to promote network lending in accordance with disposal. But the notification also focused on increasing student consumer education efforts and financing, knowledge of network security in General. At the lack of specific provisions on bad loans regulation, to really guard against loan risk should strengthen credit supervision on campus.

女大学生“裸条借贷”背后：正常人不会干这事 - 裸条借贷,裸条,借贷宝 - IT资讯

近日，一则“女大学生拍裸照当借条”的消息迅速在网络上传开。

作为借贷双方交易平台的熟人间网络借贷平台——借贷宝，再度成为舆论关注的焦点。随后，借贷宝发布官微表示，目前对于该事件尚处调查中。

而在业内看来，对于此次“裸条”事件的曝出，除加强对大学生消费教育，帮助其树立正确的消费观之外，更重要的一点，就是亟须相关监管落地。

周息达30%

《中国经营报》记者通过检索关键词，发现网上有不少诸如“借贷宝大学生借款”的QQ群存在。

当记者以借款人身份在QQ群中提出希望快速借款后，有不少自称放款人的网友加了记者的QQ。通过与放款人交涉后，记者初步了解到，借款的具体操作流程为：借贷双方私下商量好借款金额和利率后，借钱人需要提交相应的各种隐私数据，并手持身份证拍照。然后，双方添加好，通过借贷宝平台达成交易。对于借款金额较大的借款人，放款人还需要对方提供“裸条”。

而所谓的“裸条”，即进行借款时，借款人需手持身份证并裸体拍摄照片或者小视频。当发生违约不还款时，放款人以公开裸体照片或视频与借款人父母联系的手段作为要挟逼迫借款人还款。

据了解，放款人给出的利息最低为周息20%，一般均在30%，且利息每周一结。除扣一部分押金之外，甚至有放款人提出放款后要给10%的中介费。

以借款3000元为例，放款人要求扣除1000元押金，按时还本金利息后将还给借款人，同时扣10%中介费即300元，最终借款人到手只有1700元。

“30%的周息并不高，扣押金也是以防万一，毕竟大家都是在网上进行借款，我们对你的情况又不了解，万一后面还款出现问题，最后导致这笔借款成为坏账，那可是我自己赔本。”一位放款人对记者表示，只要按时还款，“裸条”一定会删除，否则也不会“客气”。

6月15日，借贷宝就相关事件发布官方微博称，公司已于第一时间对事件真伪展开了调查，目前调查尚在进行中，公司也通过线下找到了当事人的联系方式，并发送短信表达了关心和支持，目前尚未得到回复。

此外，平台意识到在校大学生群体并不具有完全的借贷偿还能力，因而早前已明令禁止合作推广商在高校的推广行为，并停止“拉用户送现金”补贴活动。下一步，借贷宝拟对18~22岁在校大学生群体进行借贷额度限制，降低不理性借贷的风险空间，加强平台监管及风控力度。

对于此前媒体报道称女大学生借款周息即达到30%，超过法律保护范围，借贷宝在微博中也表示，平台设定的最高借款利率为年化24%，符合国家法律规定。在相关媒体报道中出现的高利率应该是借贷双方私下商定后，通过“返点”等方式实现。“如果用户通过线下协议致使实际借贷利率超过平台最高年利率24%的限定，借入方若提供有效证据，借贷宝可以通过司法途径争取帮助其减免不合法的部分。”

同时，借贷宝还表示，已与多家征信机构及其他第三方征信数据提供方展开深度合作，对接法院失信名单及银行、互联网金融平台失信名单库。综合利用多种风控模型，识别潜在高危交易并对用户进行必要提示。此外，还将持续推进用户引导工作，呼吁用户理性借贷、坚持“不熟不借”。

实际上，我国最高法早前已对民间借贷利率进行明确对定。根据《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》(以下简称《规定》)显示，借贷双方约定的利率未超过年利率24%，出借人有权请求借款人按照约定的利率支付利息，但如果借贷双方约定的利率超过年利率36%，则超过年利率36%部分的利息应当被认定无效。

也就是说，24%年息这根线以下的区间为司法保护区，借贷双方约定的利息将被法院认可；36%年息这根线以上的区间为无效区，超过36%的利息将不被法院认可。至于24%和36%之间的部分，则要看借款人是否已经支付，已经支付的不退还，没有支付的不用支付。

值得注意的是，《规定》要求，如果借款人已自愿支付了超过36%年息的利息，亦可以通过起诉讨回这部分利息。

监管缺位

对于此次“裸条”事件，北京京师律师事务所互联网金融法律事务部主任左胜高认为，如果借钱的学生真拿裸照抵押给出借人，那么从法律上来讲是无效的。裸照不能作为抵押，裸照不是物权，属于名誉权的范畴，因此用照片来当担保法律不认可。如果以此相要挟发到网上，那么不但侵犯了当事人的名誉权，还可能构成传播淫秽物品罪。此外，平台如果存在审查不严的问题，就违反了相关规定，监管部门应该予以查处。

左胜高表示，一些校园借贷采取虚假宣传的方式，诱导学生进行贷款，对于缺乏社会经验的学生来讲很容易就陷入进去，这种行为的危害非常大，“对学生来说最重要的还是要量力而行，理性消费”。

麦子金服CEO黄大容在接受记者采访时表示，女大学生“裸条”事件，很有可能与学校周边的高利贷有关系，建议国家应该从多个方面保护大学生。首先，国家可以出台更多的助学贷款，向学生提供进一步的支持；其次，国家应该支持真正公开透明的网贷平台，只有通过这样透明的平台，才能去驱逐高利贷。“假如国家采取‘一刀切’，不进行疏导，同时学生的消费需求又无法压制，那么校园市场势必又将回到高利贷手里。”

业内人士江南愤青撰文表示，个人认为女大学生裸照借钱就是个体性案例，哪怕有，也一定是占比非常小的事情，因为任何一个脑子正常的人都不会做这种事情。假设，如果裸照真有用的话，那么你哪怕还钱了也无法确保别人会不会公布裸照，一辈子都麻烦，这种事情，从来都是不准备还钱的人，才会做的事情。

出现“裸条”这种现象，作为交易平台是否需要承担相应的责任呢？对此，北京市网贷行业协会秘书长郭大刚认为，平台应当履行适当性原则，把合适的产品卖给合适的人，如果平台没有做到适当性原则，没有认真履行这个原则，则是平台的过错，而不是产品的过错。

据易观智库发布的《中国校园消费金融市场专题研究报告》显示，2015年全年P2P网贷市场规模达8686亿元人民币，同比增长331.6%。接受度高的大学生群体更愿意尝试新事物，进行超前消费。2016年校园借贷行业更是进入高速发展阶段，各家涉足校园借贷的平台竞争更加激烈。

目前大学生进行校园贷款或分期消费有三种方式：一是专门针对大学生的分期购物平台，部分还提供较低额度的现金提现，这是最开始出现的分期购物平台；二是P2P贷款平台，用于大学生助学和创业；三是支付宝花呗、京东白条等。

据不完全统计，有超过80家的P2P平台参与到大学生消费贷业务，消费分期平台近三成资金来自P2P。然而，不少大学生消费贷产品不透明，有近八成的平台费率不明确，而且大学生消费贷的监管存在空白。

对此，中国政法大学互联网金融法律研究院院长李爱君表示，校园贷的问题已到了亟待解决的地步，因为已影响到了高校的正常教育和秩序。近期，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》。其中明确提出，未经批准在校园推广网络借贷的要依法处置。但《通知》还是聚焦在加大学生消费观教育力度和金融、网络安全知识普及上。在不良网络借贷监管上缺乏具体的规定，要想真正防范校园贷风险应加强校园贷监管。