Take campus loans could not be repaid: dozens of privacy was out-campus credits, students-IT information
Following media revelations in mid-June "to hold cards nude photos for a mortgage," "campus naked loan" after the events of July 6, Yunnan Red River College girls take the stage delays the repayment of the loan, a picture of yourself holding ID photo was public, documents on the most sensitive personal information posted it was shown in schools.
Post called: "for your personal information is being exposed, and for the damage to your personal credit, please timely repayment. "This post immediately at the bar cause for concern.
Surging news found that almost one month since the account has been using this type of collection letter form of the personal information of nearly 40 students. Meanwhile, posted on the Internet the borrower personally identifiable information or nude photos of overdue loans in the form of "network urges," as it is a common feature in the P2P business lending.
The night of July 6, surging news attempted to contact the above posting account "youth you acne," authentication information sent and the account delete a collection of his latest post, but as of press time has not responded.
The morning of 7th ICT bag a customer service staff to respond to surging news review Center in Guizhou province said the network collection "youth you acne," for the ICT service, school posting collection letter is "normal procedure", if you contact customer service after students ' repayment, collection letter will be disposed of.
"And he had promised to assume certain legal responsibilities, so we did it. "The staff said, ICT students bags and borrowing agreement, borrowers promise for video camera" I am willing to accept late breach of all or any other dishonest behavior, as well as the corresponding legal responsibility for the consequences. "
Network overdue loan
▲ "Yunnan University Headlines" micro blog
6th 17:20, micro blogger "Yunnan University Headlines" issued a news release saying: "recently, Yunnan Honghe University stage a girl not scheduled repayment of borrowing, part personal information in schools was published. Surging news to find this Tweet information from "Red River College", and Red River College is a public comprehensive universities in Yunnan province.
▲ Microblogging information from Baidu, "Red River College"
16:08 July 5, called "youth you were so Blain," Netizen titled Yu Shaochun students is established, how do you do post, says: "Yu Shaochun classmates, Hi, your ICT bag staged six days overdue, your personal information is being exposed, and your personal credit is not damaged, please timely repayment, thank you! ”
The post a photograph of "Yu Shaochun" student picture ID card hand. On the ID card, the girl's photograph, name, gender, nationality, date of birth and address information at a glance, only the ID card number of black and white boxes for last several screenshots do block.
? Stick the picture ID card attached to his hand, plus figure mosaics for the surge in news, original ID number only in the last few obscured.
The same message is under condemnation poster "unscrupulous", or express concerns about this mode of collection letter and fear-"these lending platform is also shameless enough", "6 days, come on! Triad "," frightening "," boycott these staging platform "
Surging news search found, name for "youth you too acne has," of account since May 2016 late up, on began in different of school stick in the continuous released this class "urged paragraph post", mode more for: "xxx students, Hello, you of letter pass bags staging has occurred late, to you of personal credit not damaged, please you timely login letter pass bags account completed recharge repayment, thanks! ”
From May 27, the "collection" involving a total of about 50 students, covering Yunnan, Xinjiang, Inner Mongolia, Hebei, Sichuan, Qinghai, Fujian and other colleges and universities in several provinces, in which 38 students of the personal identity card or student ID is publicly posted it at the school, personal information is compromised to varying degrees. Borrowing days past due are not displayed in the post for more than 10 days.
In addition to "youth you out too much," and another called "ICT bag collection 123" account in a similar way of collection activities on the Internet, collection objects involving a total of 14 people, of whom 13 were students ' personal information was publicly revealed.
Creditors who
In these "reminder" mentioned in the claims are "ICT". According to letter pass bags official platform of public introduced displayed: letter pass bags is Guizhou country letter pass e-commerce limited its website, focused Yu students General Hui financial service, on investors provides has guarantees, and high returns of oriented students of Internet financial service, investment paragraph special for help students achieved training, and tourism, and shopping, and rental and daily, aspects of staging needs, and encourages students for part-time repayment, independence self of while enhanced social practice capacity. "November 2014 get by Niu Wenwen, and Yu minhong, and Zhou hongyi, and Liu, funded established of dark horse Fund venture capital, August 2015 was Shenzhen Shenzhen in the green treasure (22.030, 0.00, 0%) do Yuan a, round strategy investment, through on national 30 million students provides has general Hui financial service, power students achieved dream, and to frame cast personal University period of levy letter big database for mission, for levy letter China do meager of force. ”
And in the "users in phases late payments do" open in answering questions, ICT's website said ICT security manager of money funds, once the borrower overdue, will immediately repurchase financing man in ICT investment claims.
? ICT introduced bags official website
In terms of user privacy protection and ICT website in the "account security" presentation called: "ICT in strict compliance with the relevant State laws and regulations, to protect the privacy of user information. Without your consent, ICT does not provide to any third-party companies, organizations and individuals to disclose your personal information, account information and transaction information (except as otherwise provided by laws and regulations). ”
The morning of 7th ICT audit Center of Guizhou surging a customer service person told the news, the "Internet collection" ICT is customer service, "we stick them in their school information, in order to let him handle their payments as soon as possible. If you contact customer service after payment, we'll give him the post. ”
The customer service staff, ICT students bags and borrowing agreement, borrowers will verbal commitments for video camera handheld ID card "I'm willing to accept late breach of all or any other dishonest behavior, as well as the corresponding legal responsibility for the consequences."
The customer service staff said if they delay in repayment, the normal order is the I with a text, if not contact for a long time will attempt to contact emergency contacts and family, if you are unable to contact, would stick in school and other similar posts collection. "We are under the normal procedure, and he was as promised, he will assume a certain degree of legal responsibility, so we did it. ”
Credibility in disciplinary measures shall be in compliance with
How to treat "networks push", a disciplinary breach and debt collection practices?
On June 17, Lian Weiliang, Deputy Director for the national development and Reform Commission campus loans "naked lending" and "networks push" expressed, "We encourage the entire society to joint credit discipline, let credit nowhere to hide, but a very important one, our lack of disciplinary law and regulations. Corrections if you breach such measures themselves illegal, substandard, then this is in itself a breach of conditions. "
Lian Weiliang introduced joint incentives and on the establishment of sound and trustworthy credit union correctional institution, accelerating the construction of social credit guidelines on explicit disciplinary measures can be divided into mandatory measures and voluntary measures, but two measures, the respective legal regulations or policy basis. Campus credit turmoil, "must also be carried out in the framework of law and regulation, if they (collection one) own interests damaged, he can make complaints through the appropriate channels, by government regulators for punishment. "Lian Weiliang emphasized that credit must be established within the framework of law and regulation, so that credit can play an effective role.
借校园贷未能如期偿还：数十名大学生隐私被泄 - 校园贷,大学生 - IT资讯
继6月中旬媒体曝出“以手持身份证的裸体照片为抵押借款”的“校园裸条贷”事件之后，7月6日，云南红河学院一女生因借了分期贷款而未能如期还款，一张自己手拿身份证的照片遭公开，证件上的大部分个人私密信息在校内贴吧被展示。
发帖人称：“为了您的个人信息不被全面曝光，同时为了您的个人信用受损，请您及时还款。”这则帖子立即在该贴吧引起关注。
澎湃新闻发现，该账号近一个多月以来，已用此类催款方式公开了近40名学生的个人信息。同时，采用在网络上公布借款人个人身份信息或裸照的方式来催还贷款的“网络催客”，在P2P的经营借贷中已屡见不鲜。
7月6日晚，澎湃新闻尝试联系上述发帖账号“青春你太痘了丶”，验证信息发送后，该账号删除了自己最新的一条催款帖，但截至发稿时并未作回应。
7日上午，信通袋贵州审核中心的一名客服人员回应澎湃新闻称，上述网络催款员“青春你太痘了丶”为信通袋客服，在学校发贴催款是按“正常程序走的”，如果学生还款后联系客服，催款帖会处理掉。
“而且他当初承诺会承担一定的法律责任，所以我们这边才这么做的。”该客服人员表示，信通袋和借贷学生达成协议时，借贷者都会对着视频镜头承诺“我愿意承担因逾期违约或者其他不诚信行为造成的一切后果以及相应的法律责任”。
网上催贷
▲“云南高校头条”的微博
6日17时20分，微博博主“云南高校头条”发布消息称：“近日，云南红河学院一女生分期借贷未如期还款，部分个人信息在校内被公开。澎湃新闻查找到，此条微博的信息来源于“红河学院吧”，而红河学院是云南省一所公办综合性本科院校。
▲微博的信息来源于百度“红河学院吧”
7月5日16时08分，一个名为“青春你太痘了丶”的网民建立了标题为《喻绍春同学，您好》的帖子，内容为：“喻绍春同学，您好，您的信通袋分期已经逾期六天，为了您的个人信息不被全面曝光，同时为了您的个人信用不受损，请您及时还款，谢谢！”
该帖子附上一张“喻绍春”同学手拿本人身份证的照片。身份证上，该女生的照片、姓名、性别、民族、出生日期以及住址等信息一览无余，只有身份证号最末几位用白底黑框的截图做了遮挡。
▲贴吧中所附该同学手拿本人身份证的照片，图中马赛克为澎湃新闻所加，原图中仅身份证号最后几位被遮挡。
而该帖之下的留言多是谴责发帖人的“无良行为”，或表达对于这种催款方式的担忧和害怕——“这些借贷平台也是够无耻的”、“才6天而已，至于这样嘛！黑社会啊”、“可怕”、“抵制这些分期平台”
澎湃新闻搜索发现，名为“青春你太痘了丶”的账号自2016年5月末起，就开始在不同的学校贴吧中连续发布此类“催款帖”，模式多为：“某某同学，您好，您的信通袋分期已经发生逾期，为了您的个人信用不受损，请您及时登录信通袋账户完成充值还款，谢谢！”
从5月27日起，“催款帖”共涉及近50名同学，覆盖云南、新疆、内蒙古、河北、四川、青海、福建等多个省份的高校，其中38名学生的个人身份证或学生证被公开在该生所在的学校贴吧中，个人信息不同程度地被泄露。而帖子中显示的借贷逾期天数都未超过10天。
除了“青春你太痘了丶”，另一个名为“信通袋催收123”的账号也以类似的催款方式在网上活动，催款对象共涉及14人，其中13名大学生的个人信息被公开泄露。
债主是谁
在这些“催款帖”中，提到的债权方均为“信通袋”。据信通袋官方平台的公开介绍显示：信通袋是贵州国信通电子商务有限公司旗下网站，专注于大学生普惠金融服务，对投资人提供有担保、高收益的面向大学生的互联网理财服务，投资款专项用于帮助大学生实现培训、旅游、购物、租房和日常生活等方面的分期需求，并鼓励大学生进行兼职还款，自立自强的同时增强社会实践能力。“2014年11月获得由牛文文、俞敏洪、周鸿祎、刘强东等出资成立的黑马基金风险投资，2015年8月获深圳深圳中青宝(22.030, 0.00, 0.00%)千万元A轮战略投资，通过对全国3000万大学生提供了普惠金融服务，助力大学生实现梦想，并以构铸个人大学时期的征信大数据库为己任，为征信中国尽微薄之力。”
而在“分期用户逾期还款怎么办”的公开答疑中，信通袋的官网只表示，信通袋担保理财人的资金安全，一旦借款人逾期，信通袋将立即回购理财人投资的债权。
▲信通袋官网介绍
在用户隐私安全保护方面，信通袋的官网在“账户资产安全”介绍中称：“信通袋严格遵守国家相关的法律法规，对用户的隐私信息进行保护。未经您的同意，信通袋不会向任何第三方公司、组织和个人披露您的个人信息、账户信息以及交易信息（法律法规另有规定的除外）。”
7日上午，信通袋贵州审核中心的一名客服人员告诉澎湃新闻，这些“网络催款员”也是信通袋客服，“我们在他们学校贴吧发这些信息，是为了让他尽快处理他们的还款。如果还款后联系客服，我们这边会给他处理掉帖子。”
该客服人员表示，信通袋和借贷学生达成协议时，借贷者会手持身份证对着视频镜头口头承诺“我愿意承担因逾期违约或者其他不诚信行为造成的一切后果以及相应的法律责任”。
该客服人员称，如果对方不按期还款，一般正常的秩序是先发短信联系本人，如果长时间联系不上就会尝试联系紧急联系人和家人，如果还是无法联系，就会采取在学校贴吧发贴等类似的催款行为。“我们这边是按正常程序走的，而且他当初也承诺过，他会承担一定的法律责任，所以我们这边才这么做。”
惩戒失信措施须合法合规
如何看待“网络催客”这样一种惩戒失信和讨债的做法？
6月17日，国家发展改革委副主任连维良对于校园贷款中的“裸条借贷”以及“网络催客”的问题表示，“我们鼓励全社会对失信行为进行联合惩戒，让失信行为无处藏身，但是很重要的一条，我们对失信行为的惩戒要做到依法依规。如果你惩戒失信的这种措施本身不合法、不合规，那么这本身也是一种失信的情况”。
连维良介绍，《关于建立完善守信联合激励和失信联合惩戒制度，加快推进社会诚信建设的指导意见》上明确的惩戒措施分为强制性措施和推荐性措施，但两种措施分别有法律法规的依据或政策依据。对于校园贷乱象，“也必须在依法依规的框架下进行，如果他们（催款人）自身利益受到损害，他可以通过相应的渠道进行投诉，通过政府的监管部门进行惩戒。”连维良强调，信用建设一定要建立在依法依规的框架下，这样信用建设才能发挥有效作用。