Schoolgirls "topless IOU" trafficking of information: unable to pay have arranged prostitution IOU-nude college students-IT information
"Topless IOU" lending was revealed by the media, causing widespread concern. But this reporter recently found "topless IOU" borrowing the wind still prevailed in some QQ Group, sellers with "College student borrowing Bao topless IOU" gimmick openly selling girl "nude" photos and video. More private lenders say, with "topless IOU" after the mortgage, such as not paying, prostitution payments. "Topless IOU" repeated cases of borrowing, experts say the net loan is a new loan forms, regulation and governance more difficult. On August 24, the China Banking Regulatory Commission, and the Ministry, the Ministry of public security, network officials formally released the Web credit information agency of the interim measures for the management of operational activities to this campus loans NET loan forms will play a strong regulatory and governance effectiveness.
Left: sellers sell "topless IOU" information.
Lending known as the boss of "wage earners" is prostitution.
Report
Sellers sell "topless IOU" information
After repeated exposure by the media, "topless promissory note loans" into more and more in the view. Media surveys found that in some borrowing base, female students "naked" borrowing has become an open secret, through the "naked" loan amount is 2 to 5 times times the normal borrowing, overdue will be facing the threat of nude was released.
One of "naked" borrowers Kobayashi (not his real name) said in a media interview, her venture to open shop needs to purchase through the "lending treasures" platform "acquaintances" borrowed 500 Yuan. For late cannot repayment, she and by people introduced for "nude holding" loan, other requirements she sent himself of photos, and name, and ID, and family address and family contact way, and several students of contact way, and asking for has Kobayashi handheld ID of several Zhang nude as and video, verified information Hou take out has 5000 Yuan to she, one week of interest is 30%, for late not also, she was lending people of threat, "they on threat said also not Shang on put nude reproduced to family, and to friends. "At the same time, Lim told reporters, was also in the QQ Group in the public sale of" student borrowing Bao topless ious data. "
When reporters add to buyers ' identities "topless IOU" after borrowing QQ, introduce each other to reporters, the sale of information is not timely repayment of college students ' "nude" photos and videos, and personal information, including contact information, home address, school phone and teacher details.
After the journalists to pay, he immediately sent several names for "lending treasure", "topless IOU weekly updates" package. Armed with folders containing ID woman full nude photos and videos.
According to sale introduced, topless IOU updates every week, but would have to pay for, and asked reporters to "personal data", but when a reporter after payment, selling compressed package from anyone and not what he calls the "90 videos and 90 copies of personal data". After the reporter asked, the other no longer reply.
Survey
Unable to repayment arrangements for prostitution
Journalists on the Web on "topless ious" and "borrowing" keyword search, find contact details for many lenders. Journalists randomly add one nicknamed the "credit" users, she claims to be lending agents, its QQ information signature "only women, day loans no upfront fees".
Reporters later "after 95" status of female college students claiming to need money.
According to the salesman introduces mortgage ID loan interest rate 30% per week, to go "topless promissory note loan" means, interest rates can fall to 22% weekly, borrowers need to clerk ID photos for confirmation of authenticity. Upon confirmation, the borrowers still need to send a nude photo, choose repayment time, subsequently to receive loans.
"We have not publicly (borrowers) topless, if you have no money, we would try to find his family, would bring borrowing on the family are not working for the boss. ”
Journalists further understanding that, the salesman said, "boss" is the lender Li Xuemei, a Guizhou, was clerk of the national lending "Commander-in-Chief." According to the sales description, the lending platform is teamwork, sales of thousands of people, all over the country. Topless is the only way to coerce borrowers leverage, not a last resort does not produce.
He explained that to the boss "wage earners" is prostitution, specifically the lenders through certain channels, scheduled repayment of borrowers nude photos and video sent to various cities of the country by "customer", which refers to the individual's name, does not refer to borrowers during this period of personal information. "Customer" according to the members of the borrower's stature, and other qualifications for the selection and pricing discussions with lenders, calculate prices, with "package" in the form of, borrowers will be sent to the "customer" in the city where to meet "customer" needs to make "customers" help loan.
The lender said, after the loan to pay off and as people want to continue to keep up with "customer" relationship between, all income for all borrowers, has nothing to do with lending platform. Good natured borrowers ' repayment is easy to find one willing to help "customers", much as each transaction is worth thousands, ranging from hundreds of Yuan. The salesman said, "customers" help in the process of repaying money lending platform parts higher than the loan principal and interest, the amount varies depending on the borrowers ' qualifications and, for the maximum amount of profit into standard and platform, the clerk made no response.
"Today's already sold dozens of every lot. "Lenders say, the platform has not been registered company," monthly funds in and out of tens of millions of. "She said, topless once received will immediately lend, not to sign the contract," such a contract cannot be protected by law. Loan borrowers a handwritten IOU, entry into force by the hand. ”
Construction
"Topless promissory note loans," why is repeated?
Renmin University of China law school, Professor Yang Dong said Chinese civil usury lending market has been more confusion. P2P lending platform starts soon, weak regulation, coupled with some girl's awareness of self-protection is not strong, so "topless promissory note loans" this credit has been repeated.
Who should bear the net regulatory responsibility for credit?
Professor Young said local financial regulators on financial supervision responsibility of the borrowing. Borrowing behavior may be involved in illegal fund-raising, and private lending in illegal business in the name, the business sector for this type of behavior beyond the company should have supervisory responsibilities. In addition, under the People's Republic of China anti-money-laundering Act, the net loan possible destabilizing in the crime of money-laundering should be subject to the appropriate supervision and penalties. Online lending platform forms offline lending greater speed and number of advantages, private lenders are likely to become online platforms of loan-sharking organization, must accept the Web credit information agency of interim measures for the management of operational activities provided and monitored. If victims sued public security agencies in the investigation also belongs to one of the regulatory process.
"Topless IOU" borrowing is not on schedule?
Yang said, "this form does have hidden, private lending in the form of loans, monitoring more difficult. "But if borrowing is not personal, fragmented, but the lending organization and scale of normality, is lending business category, without a licence, it may be an offence under the Criminal Code of" illegal business "in law to combat it. Administration and Finance Office also has regulatory responsibility for this. For some lenders and others to spread the "topless IOU" and disseminating nude pictures, nude videos and other pornographic material is suspected to have committed a "crime of invasion of privacy," "crime of spreading obscene articles", which are accessible through the civil code on civil rights protection, supervision, administrative supervision of the criminal code and various ways to fight, is not on schedule.
How to improve the supervision of Internet loan?
Professor Yang said NET loan is a new loan forms, regulatory and governance more difficult. First, net loans and past financial activities are not the same, this is a new phenomenon, entirely new businesses, no existing laws and regulations, is different from traditional finance, there is no ready-made model in foreign countries can refer to. Secondly, due to the complexity of China's financial environment, private lending, illegal fund-raising, financial innovation are intertwined, resulting in net loans compounded the problem. Again, the regulatory system vulnerabilities. Financial regulation in front of this kind of financial innovation has not been established, three risk supervision system and local government coordination of regulatory loopholes and problems.
On August 24, the China Banking Regulatory Commission, and the Ministry, Ministry of public security, network officials released the Web credit information agency of the interim measures for the management of operational activities, campus loans NET loan forms will play a strong regulatory and governance effectiveness.
This release of net lending regulation to establish a banking system and local Finance Bureau of the dual accountability, banking system and financial system integration control system, is the perfection of the regulatory system.
View
Dissemination of pornographic material may be sentenced 10
Yushi Beijing lawyer Jiang Jian said China's definition of obscenity in the criminal code, refer to depict sexual activity or explicit spread pornography, obscenity, books, films, video tapes, audio tapes, photographs and other obscene materials.
To profit for purpose, sold, and trafficking, and spread borrowing people nude as 100 pieces above or video file 10 a above or illegal proceeds 5,000 yuan above, case of, suspected constitute making, and copy, and published, and trafficking, and spread obscene materials profit crime, at three years following shall be sentenced to, and criminal detention or control, and punishment gold; plot serious of, at three years above ten years following shall be sentenced to, and punishment gold; plot special serious of, at 10 years above shall be sentenced to or life imprisonment, and at fine or confiscated property.
Jiang Jian said the perpetrators of trafficking, selling, disseminating nude pictures, whether this crime needs to see a number of pornographic material and the amount of profit. But even short of criminal penalties, according to the public security administration punishment law article 68th, 10th to 15th over detention, may be fined a maximum of 3,000 yuan; minor, 5th detained or fined a maximum of 500 Yuan.
女学生“裸照借条”资料被贩卖：无法还款则安排卖淫 - 裸照借条,大学生 - IT资讯
“裸照借条”借贷经媒体曝光后，引发广泛关注。但记者近日调查发现，“裸照借条”借贷之风仍在盛行，在部分QQ群内，有卖家以“大学生借贷宝裸照借条”为噱头公然出售女生“裸持”照片及视频。更有私人放贷者称，以“裸照借条”抵押后，如无法按时还款，可介绍卖淫还款。针对“裸照借条”借贷屡禁不止的情况，专家称网贷作为新兴的贷款形式，监管和治理的难度较大。8月24日，由银监会、工信部、中国公安部、网信办四部委正式发布的《网络借贷信息中介机构业务活动管理暂行办法》对于此种校园贷等网贷形式一定会起到有力的监管和治理效果。
左图：卖家出售“裸照借条”资料。
放贷人称给老大“打工”就是介绍卖淫。
举报
有卖家出售“裸照借条”资料
经媒体屡次曝光后，“裸照借条贷款”进入越来越多人的视野中。媒体调查发现，在一些借款群中，女大学生“裸持”借款已经成为公开的秘密，通过“裸持”可以借款的金额是普通借款额度的2至5倍，但逾期未还将面临裸照被公布的威胁。
一位“裸持”借款人小林（化名）在接受媒体采访时称，她因创业开网店需要进货，通过“借贷宝”向平台上的“熟人”借了500元钱。因逾期无法还款，她又经人介绍进行“裸持”贷款，对方要求她发送自己的生活照、姓名、身份证、家庭地址和家人联系方式，以及几名同学的联系方式，并索要了小林手持身份证的几张裸照和视频，核实信息后借出了5000元给她，一周的利息是30%，因逾期未还，她遭到出借人的威胁，“他们就威胁说还不上就把裸照发给家人、发给朋友。”同时，小林告诉记者，还有人在QQ群内公开售卖“大学生借贷宝裸照借条资料”。
当记者以买家身份添加“裸照借条”借贷QQ后，对方向记者介绍，所售资料为未及时还款的大学生“裸持”照片和视频，而个人资料包括联系方式、家庭住址、学校电话及老师等详细信息。
记者向其付款后，他当即发来几个名称为“借贷宝”、“裸照借条每周更新”的压缩包。文件夹中含多名手持身份证的女子全裸照及视频。
据售卖人介绍，裸照借条每周都会更新，但须再付钱购买，并询问记者是否要“个人资料”，但当记者付款后，售卖人发来的压缩包中并没有他所宣称的“90部视频和90份个人资料”。记者再三询问后，对方不再回复。
调查
无法还款则安排卖淫
记者在网上以“裸照借条”、“借贷”等关键词搜索后，找到多位放贷人的联系方式。记者随机添加了一位昵称为“信用贷款”的用户，她自称放贷业务员，其QQ资料显示签名为“仅限女性，当天放款，无前期费用”。
记者随后以“95后”女大学生身份声称自己急需用钱。
据该业务员介绍，抵押身份证贷款的利息为每周30%，若走“裸照借条贷”途径，则利息可降至每周22%，借贷人需发给业务员身份证照片以便其确认真实性。确认后，借贷人还需发送一张全裸照，自主决定还贷时间，随后便可收到贷款。
“我们没有公开过（借贷人的）裸照，如果你还不上钱的话，我们就会去找家人，家人还不上就会把借贷人带来给老大打工。”
记者进一步了解得知，该业务员口中所说的“老大”即为放款人李雪梅，贵州人，是全国放贷业务员的“总指挥”。据该业务员描述，该放款平台是团队合作，业务员几千人，遍及全国。裸照是唯一可以要挟借贷人的筹码，不到万不得已不会放出。
他解释，给老大“打工”其实就是介绍卖淫，具体而言就是放款人通过某种渠道，将无法按期还款的借贷人裸照和视频发给全国各城市的“客户”，以编号代指个人姓名，在此期间不会提及借贷人个人信息。“客户”根据各位借贷人的身材、长相等资质进行挑选，并与放款人进行定价讨论，按次计算价格，以“包养”的形式，将借贷人送至“客户”所在的城市，满足“客户”的性需求，以此让“客户”帮忙还贷。
该放贷人称，待借款还清后，如借贷人想继续保持与“客户”间的关系，则一切收入都为借贷人所有，与放款平台无关。资质好的借贷人很容易找到愿意帮忙还款的“客户”，多则每次交易可抵上千元，少则几百元。该业务员说，“客户”帮忙还贷的过程中给借贷平台的钱会比借贷须还的本息高出部分，具体金额根据借贷人资质不同而不等，对于分成标准和平台最高获利金额，该业务员不予回答。
“今天就已经成交了几十笔了，每天都很多。”放贷人称，平台尚未注册公司，“每月资金进出数千万。”她还说，裸照一旦收到就会马上放款，不会签合同，“这种合同追款不受法律保护。借款须借贷人手写借条，按了手印就生效。”
释疑
“裸照借条贷款”为何屡禁不止？
中国人民大学法学院杨东教授称，中国民间高利贷等借贷市场一直较混乱。因P2P借贷平台起步不久，监管薄弱，再加上某些女孩的自我保护意识不强，因此“裸照借条贷款”这种网贷形式一直屡禁不止。
谁应承担网贷的监管责任？
杨教授表示，地方金融监管部门对金融借贷行为负有监管责任。民间借贷行为有可能涉及非法集资，打着民间借贷旗号进行非法经营，工商部门对于此种超出公司经营范围的行为应负有监管责任。此外，根据《中华人民共和国反洗钱法》，网贷中可能存在的危害金融稳定的洗钱罪也应受到相应监管和处罚。而网贷平台形式相比线下放贷更具速度和数量的优势，私人放款很有可能发展成为线上平台上的高利贷组织，必须接受《网络借贷信息中介机构业务活动管理暂行办法》的规定和监管。如有被害人提起诉讼，公安机关进行立案侦查也属于监管程序之一。
“裸照借条”借贷是不是无法可依？
杨教授表示，“这种形式确实更有隐蔽性，打着民间借贷的形式进行放款，监管上更有难度。”但是如果民间借贷并非个体性、零散性，而是有组织、有规模的常态性放贷，则属于借贷经营范畴，如果没有相关牌照，则可能会触犯《刑法》中的“非法经营罪”，可在法律上对其进行打击。行政部门和地方金融办也对此负有监管责任。而对于某些放款人及他人传播“裸照借条”、传播裸照、裸视频等淫秽物品的行为则涉嫌触犯“侵犯隐私罪”、“传播淫秽物品罪”，这些都可以通过《民法》对公民的权利保护、《刑法》监管、行政监管等各种途径进行打击，并不是无法可依。
如何完善对网络贷款的监管？
杨教授提到，网贷作为新兴的贷款形式，监管和治理的难度较大。首先，网贷与以往金融活动不一样，这是一种新的金融现象，完全属于新业务，没有现成的法律法规，既不同于传统金融，也没有国外现成模式可以参考。其次，由于中国金融环境本身的复杂性，民间借贷、非法集资、金融创新交织在一起，导致网贷问题更加复杂化。再次，监管体系存在漏洞。金融监管体制在此种金融创新面前一直没有建立起来，一行三会的风险监管体制和地方政府的监管协调存在漏洞和问题。
8月24日，由银监会、工信部、中国公安部、网信办四部委正式发布《网络借贷信息中介机构业务活动管理暂行办法》，这对于校园贷等网贷形式一定会起到有力的监管和治理效果。
此次发布的网贷监管办法确立了银监会系统和地方金融局的双重责任制、银监会系统和金融办系统的统合监管体系，是对于监管体系的完善。
说法
传播淫秽物品可重判10年
北京雄志律师事务所姜健称，中国《刑法》中对淫秽物品的定义，是指具体描绘性行为或者露骨宣扬色情的诲淫性的书刊、影片、录像带、录音带、图片及其他淫秽物品。
以牟利为目的，出售、贩卖、传播借款人裸照一百件以上或视频文件十个以上或违法所得五千元以上等情形的，涉嫌构成制作、复制、出版、贩卖、传播淫秽物品牟利罪，处三年以下有期徒刑、拘役或者管制，并处罚金；情节严重的，处三年以上十年以下有期徒刑，并处罚金；情节特别严重的，处十年以上有期徒刑或者无期徒刑，并处罚金或者没收财产。
姜健称，贩卖、出售、传播裸照的行为人，是否构成此罪需要看淫秽物品的数量和牟利的金额。但即使达不到刑事处罚的，可依据《治安管理处罚法》第六十八条规定，处十日以上十五日以下拘留，可以并处三千元以下罚款；情节较轻的，处五日以下拘留或者五百元以下罚款。