Chinese college girl trapped as much "naked credit storm": a monthly 20%, topless-naked credit without money, the loan-IT information
5000 bucks, for a lot of people probably just enough to buy a cell phone, but "naked credit circles" are sufficient to lure cash-strapped nude photos of female college students, loan sharks, and no money to pay the seller the body fall into the trap.
Alice: Zhang ya is one of the victims. Were younger than 20 years old, she came to liaocheng in one county in Sichuan province a year ago some schools and more than two months ago, she borrow the treasure platform to borrow from one of 5000 Yuan, now long past the day of repayment, lenders break, she could only agree to their demands, their mercy.
Nude loan can change your fate, relying on classmates chipped in repayment
September 26 is the last loan grace Alice: Zhang ya, creditors would have declared, and if you still don't pay, then two self portrait of naked videos and nude, along with her family, University information, will be posted on the school stick and QQ Group.
Before the start of the summer vacation this year, Alice: Zhang ya Bao platform got a 5000 loan, borrow, mutually agreed interest 20% per month, for a period of one month. At the request of creditors, she photographed her topless indecent and a 5-minute video, video she put the card on chest and other parts of the body and constantly posed, finished in the hands of each other.
Alice: Zhang ya know the consequences of not money, so she hurried back before the year begins in September. Sichuan home came as rice season on 8 September, she had to drop work, back to school ideas or money. "Doing some part-time jobs, but is there any way, in addition to the debt, and 4000 does not fill on next semester's tuition. ”
Xiaoyu and because with the Sichuan girl nude loans faced life a few months ago. After a business failure let her on the back more than 30,000 yuan debt, so she had to bare emergency loans. Because the expiration is not on money, creditors are currently around "selling" her, born in 1996, Szechuan, each month "dues" list price is 7000 Yuan, she can also go along with men in the field.
In fact in addition to Alice: Zhang ya and Yu, currently has a significant number of College female students fall into naked credit trap, a large number of video pictures were leaked. Journalists collecting information in recent months, Shandong, Beijing, Guangdong, Jiangsu, Sichuan, hundreds of women are victims.
"Naked credit is terrible, if not money, even my parents receive a DUN SMS, or naked pictures of children. "A person familiar with the matter said, after a female student of a University in Yantai nude loans overdue, lenders all DUN, last by dorm people clubbed together to ride out the storm. Middle school girls is less than within the province, as in take naked when his class's QQ number, late a lot of strangers every day Add Group, the current has been set to prohibit anyone to join this group.
It is understood that a year ago one of the earliest nude loans emerged in the South of the campus, lenders also present within the province, many female students in Jiangsu, Guangdong and other places. "Campus loans have many years ago, some students in order to meet the high consumer demand for someone to borrow, but repayment ability is very low, so many overdue, bad debts, then some lenders think ' naked credit ' in this way, because women in general are more loving face. "Working on campus near the University City of Jinan Changqing loans to people familiar with the matter said. "However, a lot of girls don't deserve our sympathy, not because they were naked credit for the emergency, but to buy high-end electronic products or to fall in love. "One nude of loan lenders, Lianyungang, Jiangsu Province, said Xu Kai.
Nude credits to buy iPhone to borrow money to save dog
QQ Group, lending the treasure, which is grafted nude loan borrowers "business" of two major bridges, lenders published advertisements in a QQ Group, have borrowing needs of female college students going to private lenders, negotiate the conditions, parties will borrow the treasure platform for funds transfers.
"Female nude, ignoring all black households, borrowing treasure, as long as the higher Yen value, accepted the interview, lines of up to 30,000. "In a business QQ Group in the province, one of the lenders crowding the screen with ads in a row. Near the University City of Jinan Changqing, this borrowing small ads are found in many places. New season has just begun, gathering of freshman in all directions and sometimes stop to take a wait-and-see the above content, there is a bold call for consultation.
"For those of us private loan, monthly interest 20% is normal. "Xu Kai said that the so-called private loans is not through formal financial company, both sides relied on borrowing network platform to complete the formalities such as Bao, the main customer groups are students, and each September is high season. "Repayment pressure on summer and coming back a lot of children on the one hand, on the other hand new students can borrow money to buy things that we like. "Xu Kai was right, just one day in September, he released 17 nude loans, borrowers are mostly college students, many young girls have internships or work.
Contact for more than a month's time, gradually gained confidence after each other, the reporter became Xu Kai and a lender in Beijing Li Bo in the Shandong area agents, as long as the Shandong girls naked credit, line will be introduced to reporters here, make a "business", 2% interest Commission on-line extraction.
The evening of August 26, this reporter received the first "business".
Warm is the King of the borrower, Weihai huancui district electronic enterprise quality inspector, who just turned 20 years old this year, 11 o'clock reporter got through the phone, says it needs to borrow $ 3000 Yuan. "Teddy the dog in the House is sick, need to borrow money to see a doctor, listen to friends ' naked loan ' letter quickly, so come try it. "During the conversation, Wang Nuan said that his monthly wages around 15th, absolute power payments, just as anxious to think this way. "Don't want to trouble your friends and family, and I accept the provision of identity cards, the guarantor and the naked ID photos. ”
"Prostitution to save dog," Xu Kai is not surprising. In his six months of nude in credit management, loan girl reason strange. "Love, need the money, buy iPhone without money, there are business needs money. "Xu Kai to reporters showed an edited and prepares to send a text message:" XX is your daughter three months ago to require abortionists to lend the company RMB 5000 Yuan, due not to send video. ”
Released to naked force, advised girl sold her body
"Alice: Zhang ya is also part of the money, something a few days ago. "Lenders said Li Bo, Alice: Zhang ya naked credit is he released, after the ultimatum, Alice: Zhang ya is chipped, 800 bucks back in early September, but a far cry from the total distance.
"It's not money, we can give you rich boss, so that you can pay back the money, also has a fixed source of income. "Lenders released to naked force," good faith "to persuade. According to reports, Alice: Zhang ya to chip in, went back to school after the lender conditions, willing to sell the body chipped in.
In order to understand the experience of the woman-child, paid 1500 Yuan "Bao", reporters rushed to liaocheng, met in a café of this 20 year old girl.
Clutching the iphone6S phone, wipe the screen from time to time, Alice: Zhang ya ponytail under a green face. Although it is in a public place, but for the first time to show her pretty tight, in conversation with his head down, looking at each other.
Alice: Zhang ya introduced, she was born in a small mountain village in a County, Sichuan, as patriarchal culture seriously, from small to large home and love the "not very aggressive" younger brother. Coming back, my brother took money from home go to Internet cafes to play games all day, as sister Alice: Zhang ya to be under paddy crop, an unguarded sting blood by leech on the leg. Opening soon, MOM and dad did not afford her tuition and living expenses, Zhang Yaxin semester all expenditures need to work to achieve.
Southwest from mountain villages to the coastal provinces, Alice: Zhang ya come to the city for the first time. The first year she privately visited Jinan, Qingdao and other cities in the province, horizons gradually open, see dorm girls with high-end electronic products, leave a cruel net lending platform when borrowing money to buy an iPhone.
"I kind of hate those lenders. "Into a pay wall Alice: Zhang ya said.
Bad loans of more than 50%, net profit 10%
Sold her body for money or delay repayment period, Xu Kai are also common. After paying 10 Yuan, Xu Kaifa gave reporters two faceless video. In the first video, a nude girl read already drawn up contract: "my name is xx, this borrowed RMB 5000 Yuan, 20% of the monthly, I fail the consequences themselves. "Up to 5 minutes of video in the second paragraph, is Xu Kai and the girl's picture. "The Jiangsu girl long ago borrowed money, expires on not only occurs after a relationship, I give her the grace of a month's time. ”
On the night of September 20, Xu Kai suddenly personal reporter, "a girl for you, you here in Shandong. "Later did reporters know, Xu say this girl is from Weihai in King of the warming. Although, of course, not getting money from journalists here, but Xu Kai still naked credit "norm" borrowed 3000 pieces to her.
Unfortunately, warm and Wang failed to repay the money, Xu Kai, temptation, she had to sell her body. "Don't ask anything, you want to feel fit to Weihai, I accompany you, you give me the money. "In the face of various questions from reporters, King heating and apparent reluctance to say much more.
But in an interview, Shandong's own nude loan lender told reporters that the default rate on this line in 50%, in some areas even more than the 70%. "Money really isn't very good recovery, I was considering pulling out. "Said Xu Kai, his previous release 20 naked credit, most have become bad debts, only 5 people can be reached, the rest of the changed cell phone number, could not be contacted at all.
According to statistics from reporters in Jinan, Dongying, Yantai, Qingdao and other places there are at least hundreds of girls involved in a "bare loan", its age at 22 years of age, including "00" after high school, after some delayed for half a year. "Although a lot of people didn't want to pay back the money at the outset, but we also have many means. "Xu Kai said that even if default rates so high, but they can still make money, and net profit margin is above 10%.
Using naked credit information was liquidated by bad debt, Xu Kai the lender what other activities?
中国多地高校女生陷“裸贷”风波：月息20%，还不上钱就发裸照 - 裸贷,贷款 - IT资讯
5000块钱,对于很多人或许仅够买部手机,但在“裸贷圈”,已足够诱惑缺钱的女大学生拍裸照,借高利贷,落入无钱还账出卖身体的陷阱。
张雅就是其中的一个受害者。尚不满20岁的她一年前从四川某县来到聊城某高校就读,两个多月前,她通过借贷宝平台向人借款5000元,如今早已过了还款的日子,面对债主的步步紧逼,她只能答应他们的要求,任其摆布。
裸贷改变命运，靠同学凑钱还款
9月26日是张雅最后的借款宽限期,债主早就声明,如果仍不还钱,那两段自拍的裸体视频和多张裸照,连带着她的家庭、大学信息,将被公布于学校贴吧和相关QQ群。
今年暑假开始前,张雅通过借贷宝平台拿到了5000元借款,双方约定利息为每月20%,期限为一个月。在债主要求下,她拍摄了自己的裸照和一段长达5分钟的不雅视频,视频里她把身份证放在胸前及身体其他部位不断摆拍,拍完交给了对方。
张雅知道不还钱的后果,于是她在9月开学前就急匆匆地赶了回来。本来在8、9月的四川老家正值水稻忙季,她却不得不扔下家中的活计,赶回学校想法还钱。“做些兼职吧,还能有什么办法,除了要还的债,下学期的学费还有4000元没有凑足。”
同为四川姑娘的小玉也因为几个月前的裸贷面临着人生困境。此前一次创业失败让她背上了3万多元债务,于是她只好裸贷应急。因为到期还不上钱,目前债主正在四处“推销”她,这个1996年出生的川妹子,每个月的“包养费”标价为7000元,她还可以随男方去外地。
事实上除了张雅和小玉,目前已有相当数量的在校女学生掉入裸贷陷阱,大量的视频照片被外泄。记者最近几个月搜集的资料显示,山东、北京、广东、江苏、四川等地的数百名女生皆为受害者。
“裸贷很可怕,一旦还不上钱,甚至父母都会收到催债短信,或者是孩子的裸照。”一位知情人士称,此前烟台某高校一位女生裸贷逾期,面对债主终日逼债,最后靠全宿舍人凑钱才渡过难关。而省内中部一所卫校的女孩小于,因为在借裸条时填写了自己班级的QQ号码,逾期后每天有大量陌生人加群,目前该群已设置为禁止任何人加入。
据了解,一年多之前国内最早的校园裸贷兴起于南方地区,目前省内很多女学生的贷款方也在江苏、广东等地。“校园贷款很多年前就有,一些学生为了满足自己的高消费需求找人借款,但是还款能力又很低,所以逾期、坏账情况很多,此后一些贷款人就想到了‘裸贷’这种方式,因为一般女生都比较爱惜颜面。”济南长清大学城附近一位从事校园贷款的知情人士说。“不过,很多女生又不值得同情,因为她们裸贷并非为了救急,而是为了购买高档电子产品或者谈恋爱。”江苏省连云港的一名裸贷放款人徐开说。
从裸贷买iPhone到借钱救狗
QQ群、借贷宝,这是裸贷借贷双方嫁接“业务”的两大桥梁,放贷者在各个QQ群中发布广告,有借款需求的女大学生会私聊放贷者,谈妥各项条件后,双方多会通过借贷宝平台进行资金划转。
“接女性裸条,无视一切黑户,走借贷宝,只要颜值高,接受面签,额度最高可3万。”在一个省内创业QQ群中,一位放款者连续刷屏打着广告。而在济南长清大学城附近,这种借款小广告很多地方都有。新生季刚开始,四面八方会集而来的大一新生时而驻足观望上面的内容,有大胆者甚至打电话进行咨询。
“对于我们这些私贷来讲,月利息20%很正常。”徐开说,所谓的私贷就是不通过正规金融公司,双方依靠借贷宝等网络平台完成手续,主要的客户群体是在校生,而且每年的9月份都是旺季。“一方面暑假归来后很多孩子面临还款压力,另一方面入学新生也会借钱买自己喜欢的东西。”徐开说得没错,单单9月份的一天,他就放出17笔裸贷,借款者大多是在校大学生,也不乏已经实习或者工作的年轻女孩。
接触了一个多月的时间,在逐步取得了对方信任后,记者成为了徐开和北京一位放款者李博在山东地区的代理人,只要有山东做裸贷的女孩,上线就会介绍到记者这里来,每做成一笔“业务”,上线抽取2%的利息佣金。
8月26日晚,记者接到了第一笔“业务”。
借款人王暖是威海市环翠区某电子企业的质检员,今年刚满20岁,晚上11点多打通了记者的电话,声称需要借款3000元。“家里的泰迪狗病了,需要借钱看病,听朋友介绍‘裸贷’下款快,所以就来试试。”在交谈中,王暖说自己每个月15日左右就发工资,绝对有实力还款,只是因为着急才想了这个法子。“不想麻烦朋友和家人,而且我接受提供身份证、担保人和裸持身份证拍照。”
对于“卖身救狗”,徐开已见怪不怪。在他半年多的裸贷经营中,借款女孩的理由千奇百怪。“有谈恋爱需要钱的,有买苹果手机没钱的,也有创业需要资金的。”徐开给记者出示了一条编辑好并准备发送的短信:“你女儿××三个月前以需要打胎为由借本公司人民币5000元,到期不还,现发视频。”
以公布裸条相逼，劝女孩出卖身体
“张雅还了一部分钱,也就前几天的事。”贷款人李博说,张雅的裸贷就是他发放的,发出最后通牒后,张雅一直处于凑钱状态,9月初还了800块钱,但距离总额相去甚远。
“还不上钱,我们可以给你介绍有钱的老板,这样你既能还钱,也有了固定的经济来源。”贷款人一边以公布裸条相逼,一边“善意”地劝导。据介绍,张雅为了凑钱,回到学校后接受了债主的条件,愿意出卖身体凑钱。
为了了解这位女孩子的经历,在支付了1500元钱“包夜费”后,记者赶赴聊城,在一间咖啡厅内见到了这个20岁的女孩。
紧握着那部iphone6S手机,不时地擦拭着屏幕,张雅的马尾辫下是一张青涩的脸。虽然是在公共场所,但第一次以如此目的示人的她显得相当紧张,在谈话时一直低着头,不敢直视对方。
据张雅介绍,她出生在四川某县一个小山村,因为重男轻女风气严重,从小到大家里更疼爱那个“不怎么上进”的弟弟。暑假回家,弟弟整日拿家里的钱去网吧玩游戏,作为姐姐的张雅要下水田种庄稼,一不留神儿腿上就会被蚂蟥蜇出血来。快开学了,爸妈并没有负担她的学费和生活费,张雅新学期的一切支出都需要靠勤工俭学来实现。
从西南山村到沿海省份,张雅第一次来到了城市。第一年她自费游览了济南、青岛等省内一线城市,眼界逐渐开阔,看到同宿舍的女孩使用着高档电子产品,快放假时一狠心从网贷平台借了钱买了一部苹果手机。
“我挺恨那些贷款人。”陷入还钱绝境的张雅说。
坏账率超过50%，净利润仍有10%
出卖身体还钱或者拖延还款期的情况,在徐开那里也很普遍。支付了10元钱后,徐开发给了记者两段不露脸的视频。第一段视频中,一位全裸的女孩念着早已拟好的合同:“我叫××,今借人民币5000元,月息20%,逾期不还后果由我自己承担。”第二段长达5分多钟的视频里,则是徐开和这位女孩发生关系的画面。“这个江苏的女孩其实早就借了钱,只不过到期没有还上,发生一次关系后,我给她宽限了一个月的时间。”
就在9月20日晚,徐开突然私信记者,“给你介绍一个女孩,是你们山东这边的。”后来记者才知道,徐开口中的这个女孩正是来自威海的王暖。虽然当初没有从记者这边拿到钱,但徐开仍按裸贷的“行规”借了3000块给她。
不幸的是,王暖并没还上钱,在徐开的利诱之下,她不得不出卖自己的身体。“什么都别问了,你要觉得合适的话就来威海吧,我陪你,你给我钱。”面对记者的各种提问,王暖明显不愿多说。
不过在采访中,一些山东本地的裸贷放款者告诉记者,这一行的坏账率在50%以上,部分地区甚至超过了70%。“钱确实不太好回收,我也在考虑退出了。”徐开说,自己前一阶段放出的20笔裸贷,大多数已成坏账,只有5个还能联系到人,其余的换了手机号,根本联系不到。
据记者统计,在济南、东营、烟台、青岛等地已有至少百名女孩卷入“裸贷”当中,其年龄多在22岁以下,其中不乏“00后”的高中生,不少人逾期达半年之后。“虽然不少人一开始就没想着还钱,但我们也是有很多手段的。”徐开说,即便坏账率这么高,但他们仍然能赚钱,而且净利润率在10%以上。
利用裸贷信息让坏账变现,徐开们这样的放贷者还有哪些勾当呢?