Nude borrowing interest weeks 30%: P2P usury-bare guise is borrowing, nude, borrowing treasure-IT information

Recently, a "College nude mess, don't pay threatened to publish nude photos" news quick fermentation and triggered heated discussion on the Internet. Number of student loan borrowing for business Internet banking platform, acquaintances are in an awkward position.

The so-called "naked credit", that is, a borrower (for female students) through Internet lending platform on its debt and set a higher interest, nude holding identity card to the borrower as collateral when when a borrower fails to pay lenders to open their nude photos and means of contact with the borrower forced the borrowers ' repayment.

According to the investors, newspaper reporter, nude event, once exposed, many P2P platform are subject to different degrees of blame. Reporter contact are known for their "acquaintances lending" market-oriented loan Po people, which, borrowing useful in reply to a statement of the investor, it said in a statement that "borrowing Bao attention first time event launched an investigation. At present the investigation is still underway, borrowing treasure also found under the party through the line of contact, and sending SMS expressing concern and support, has not yet returned. "The investors newspaper reporter noted, the signing of the Declaration date is June 15, associated with borrowing Bao and reporter contact period June 23. Clearly, borrowing Bao said in a statement issued by the "investigation" still no progress.

In this regard, Professor of China University of politics and law, Internet law, Dean Li Aijun said P2P platforms engaged in the Act of borrowing and financial stakeholders, are actually variants of private lending, the existing private lending system needs to be changed. She also mentions that if P2P platform cannot guarantee the information is true and accurate, will lead to greater risk. Insiders believe that naked borrowings are exposed to some risk vulnerabilities exist in the platform. For investors, select any of the financial type of platform is not operational as a criterion, but should explore platform multiple details in great depth.

Nude week borrowing card for 30%

Recently, has reported said, has usury practitioners through network borrowing platform to students provides nude article borrowing of phenomenon, "hand lift with himself of ID put in chest Qian, hand took with phone self-timer, then put photos do ' credit mortgage ' to usury, only for take hundreds of Yuan to thousands of Yuan ranging......" after media and users of exposure, "nude article" event was public.

Also reported that 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.

However, according to Supreme People's Court on trial civil borrowing case applies legal several problem of provides (following referred to "provides") displayed, borrowing both agreed of interest rate not over years interest rate 24%, lending people right to requests borrowing people according to agreed of interest rate paid interest, but if borrowing both agreed of interest rate over years interest rate 36%, is over years interest rate 36% part of interest should was finds invalid. The regulations also requires that if a borrower has voluntarily paid more than 36% per annum interest, you can sue to recover the part of interest.

Many platforms have grievances

In a statement to the investor news reporter, Bao said, borrowing the "lending treasures are well aware, in school does not have full repayment ability of college students, which had earlier banned the promotion of cooperative extension in college and stop ' users send cash ' subsidies."

In addition, a campus official told reporters the loan platform, in the news, "female students" the title words are very sensitive, let the campus credit following the previous "campus loans borrow 600,000 yuan committed suicide" event and then add the shadow. In fact, nude borrowing for what is usury. In April of this year, Ministry of China Banking Regulatory Commission issued a circular on strengthening the campus bad debt risk prevention and education work of the notice. Clearly, unauthorized campus to promote network lending in accordance with disposal.

According to media reports, industry insiders say, "naked" appears not because of online lending platform, micro lending company popular in previous years earlier when there is such a phenomenon, not just College "naked", has been involved in the work of social workers this phenomenon.

Recently, some media published articles saying, "naked girl really can't loan a sympathetic" and other commentaries also holds this view. Looking at the nude before and after the event, the industry believes that, although the borrower's own problems is an important factor leading to such events, but could not escape the P2P platform relationships. Usury as a product of private lending, usurious nature of loan products can be found in online lending platform hanging out, these products means that the platform does not strictly check loan sharks from the previous line extends to the line, increased risk a spillover.

Nude event tests P2P platform for risk control

Nude event, Professor of China University of politics and law, Internet law, Dean Li Aijun said most of the original borrowing occurs between acquaintances, not stakeholders, nor financial behavior, and is therefore not subject to regulators, by the civil law and the contract law and judicial interpretation of the High Court to be adjusted. But P2P platforms, existing borrowing borrowing become stakeholders, health room, and Platform for enterprises and individuals to borrow, investment and financing behavior is evident. "This mutation acts of private lending and financial stakeholders, our private lending system needs to be changed. ”

Li Aijun also mentioned that P2P lending is not now legal information disclosure of who is subject to clearly defined, what responsibilities, disclose what, disclose to what degree, the manner in which disclosure, which is the problem of traditional lending. "After borrowing borrowing from acquaintances into strangers, online lending platform is provides information to resolve the asymmetry of information, if not real accurate, may lead to greater information asymmetry. ”

So, for the current uproar "naked" Dun and some online lending platform run frequent outbreaks of the borrower, as a fee-for-service third party platform, should bear responsibility? China Internet Association credit evaluation Center counsel, and Beijing records Lin lawyer firm Deputy Director Zhao occupation think, for responsibility defined Shi, a is see platform party of behavior whether violations, whether beyond has information intermediary platform of category; II is see platform party of publicity in the whether has false of place, has commitment no cash of place; three is in lending process in the, platform party whether on borrowing people of identity, and repayment capacity, do has necessary of audit obligations.

裸条借贷周息30%：打着P2P幌子的高利贷 - 裸条借贷,裸条,借贷宝 - IT资讯

近日，一则“大学生裸条乱象，不还钱被威胁公布裸照”的新闻在互联网上迅速发酵并引发热议。多家以学生借贷、熟人借贷为主营业务的互联网金融平台纷纷陷入尴尬的境地。

所谓“裸条借贷”，即指借款人（多为在校女大学生）通过网络借贷平台借款并设定高额利息，以借款人手持身份证的裸体照作为担保，当借款人不能按期还款时，贷款人以公开其裸照和与借款人父母联系的手段逼迫借款人还款。

据《投资者报》记者了解，裸条事件一经曝光，多家P2P平台受到不同程度的指责。记者也第一时间联系了素以“熟人借贷”面向市场的借贷宝方面人士，对此，借贷宝方面回复了《投资者报》一份公开声明，该声明中称，“借贷宝高度关注，第一时间对事件真伪展开了调查。目前调查尚在进行中，借贷宝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。”《投资者报》记者注意到，该声明的签署日期是6月15日，而记者与借贷宝相关人士的联系时间为6月23日。显然，借贷宝所发的声明中所称“调查”仍然无任何进展。

对此，中国政法大学教授、互联网金融法律研究院院长李爱君表示，P2P平台从事的借贷既涉众又是金融行为，实则是变异的民间借贷，现行民间借贷制度亟待改变。她同时提到，P2P平台如果不能保证信息披露真实准确，将引发更大风险。业内人士认为，裸条借贷也暴露了部分平台风控方面存在漏洞。对投资者来说，选择任何一家理财平台都不能以业务类型作为判断标准，而应该深入平台多元细节进行探究。

裸条借贷周息30%

近日，有报道称，有高利贷从业人员通过网络借贷平台向大学生提供裸条借贷的现象，“一手举着自己的身份证放在胸前，一手拿着手机自拍，然后把照片做‘信用抵押’传给高利贷，只为借几百元到几千元不等……”经过媒体和网友的曝光，“裸条”事件被公之于众。

还有报道称，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。

然而，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。《规定》还要求，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。

多家平台纷纷喊冤

在给《投资者报》记者的声明中，借贷宝方面人士表示“借贷宝清楚地意识到，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’的补贴活动”。

此外，一位校园贷平台的负责人告诉记者，新闻中“女大学生”的标题用词非常敏感，让校园贷继此前“校园贷借款60万元跳楼自杀”事件后再添阴影。其实，裸条借贷的真面目还是高利贷。因为，今年4月份，教育部联合银监会印发了《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。

据媒体报道，业内人士表示，“裸条”并不是因为网络借贷平台才出现的，早在前几年小额借贷公司火爆的时候就有这种现象，不仅大学生打“裸条”，已参与工作的社会人员亦有此现象。

近日，也有媒体发布文章称，“裸贷的姑娘真的无法令人同情”，其他也有一些评论也持此观点。综观裸条事件的前后，业内人士认为，虽然借款人自身问题是导致此类恶性事件的重要原因，但P2P平台也难逃干系。高利贷作为民间借贷的产物，高利贷性质的借贷产品可以在网贷平台挂出，意味着平台并没有对这些产品进行严格的核实，使高利贷从以往的线下延伸到了线上，风险溢出效应加大。

裸条事件考验P2P平台风控

对于裸条事件，中国政法大学教授、互联网金融法律研究院院长李爱君表示，原有的民间借贷因大多发生在熟人间，不涉众，也不是金融行为，因此不受监管机构监管，通过《民法》《合同法》和高院司法解释来进行调整。但在P2P平台上，原有民间借贷变成了涉众的、生人间借贷，并且企业和个人都到平台上借款，明显形成了投融资行为。“这种变异的民间借贷既涉众又是金融行为，需要我们原有的民间借贷制度进行改变。”

李爱君还提到，现在P2P民间借贷没有法律来明确规定谁是信息披露主体，责任是什么，披露什么内容，披露什么程度，以何种方式披露，这是传统民间借贷产生的问题。“从熟人借贷变成生人借贷后，网贷平台本来是提供信息来化解信息不对称，但如果不能保证真实准确，可能导致更大的信息不对称。”

那么，对于当前沸沸扬扬的“裸条”催债事件及目前一些网贷平台频频爆发的借款人跑路情况，作为收费服务的第三方平台，是否应当承担责任？中国互联网协会信用评价中心法律顾问、北京志霖律师事务所副主任赵占领认为，进行责任界定时，一是看平台方的行为是否违规，是否超出了信息中介平台的范畴；二是看平台方的宣传中是否有虚假的地方，有承诺没有兑现的地方；三是在放款过程中，平台方是否对借款人的身份、还款能力等尽到了必要的审核义务。