Undercover secret "naked credit": the overdue money, arranged "flesh trade"-IT information
Undercover secret "naked credit" gray industrial chain
Overdue loan or arranged "flesh trade"
For nearly a year, frequent media exposure "naked lending", but this phenomenon has not disappeared. Undercover in a nude borrowing QQ Group usually for up to one year (not his real name) told reporters, as he observed, "naked credit" has become a gray industrial chain, derived from "carnal trade payments" and nude records sales "profit" mode, choose bare-loan borrowers also fall into the "downward spiral".
Build a QQ Group "for nude loan" business
The so-called "naked credit", is loan-sharking groups through a number of college students in Internet lending platform to offer "naked lenders." "Naked credit" borrowers were women, their handheld ID nude pictures and video instead of ious as collateral for lenders. Borrowers with loans for various purposes, some for personal consumption, others in an emergency.
However, the frequent media exposure and related policies does not make the phenomenon disappear. Lenders build a QQ Group, continues to attract lenders into groups, based on this platform "for naked credit" business.
Xingtian commissioned by the journalist?? With the female identity in "student lending group", "naked credit group" lurking within the borrowing base for nearly a year. He finds?? Due to media exposure and company policy and other reasons, the group name will be "naked" with "fruit" word substitution, or to start all over again, had its name changed in disguise, all gag, such as "escape".
Within the group, often lend people to add him as friend, attracted him for loans, "these people have intermediary lending platform, there is also individual. "Some lenders will start dialogue asking whether he is a Virgin. The other said "Virgin line is a little taller, non-Virgin line low. "As lending rates, he said," as far as I observe, lenders have different requirements on this?? Generally between 5% and 35%, nude qualification rates depending on the girl, and Maiden's relatively low interest rates and good girl. ”
Overdue loan or arrangement "flesh trade"
Usually, borrowing also appear in the group "naked packaged for sale" and "nude welfare" of information. And it was specifically established "naked message to sell" and the "welfare group", sell and share nude in public nude photos, videos, and personal information. More constructive arrangements scheduled repayment of the lender "flesh trade", that is, to transactions to pay debts.
"The old resource is relatively low, it was sold, the minimum you can sells for one Yuan. And higher prices of new resources. "Usually said, can provide lenders bare flesh trade is referred to as" carnal trade resources ", ranges from $88 to 388. "Welfare" is a group sharing nude free.
20 nude take girls to borrow money from journalists
Yesterday, reporters usually provide relevant information, go to "campus credit" group, the Group announcement "this group is the main group specializes in fruit (raw) loan for 20 years, strong customer privacy. Unless repayments overdue personnel, will publish its data. Group refuses to pay personnel information contained videos for everyone to do for welfare. ”
Some of it has been published by "naked" lenders "nude" photos, videos and personal information. Reporters found that lenders across Guangxi, Jilin, Sichuan and other places. Education generally college students and college students. Information, including ID, addresses, parents, relatives and friends, such as telephone and network accounts.
A student contacted a large number of borrowers "little chicken". She added the reporter told reporters after the app "". Xiaofeng publishing friends shows that she is 20 years old, worked in a factory, his father sick.
≫> lawyer
Campus credit without barriers
Derived from "selling bare piece of information" and "flesh trade" grey chain problems, Beijing capital law firm senior partner, Internet law expert Zuo Shenggao analysis, to topless pledge is invalid, the borrower may recover in time and called for a thorough cleaning. When borrowing is not also, lenders the threat or naked pictures for sale, the Act has been arrested for criminal offences such as extortion, dissemination of pornographic material, photo identity to sell or provide to others, may constitute the crime of infringement of citizens ' personal information. Victims may be the first alarm. Find personal photos or identity information from being exposed, or trafficking in, legal rights in a timely manner to prevent further deterioration of the illegal infringement.
Zuo Shenggao believes that campus credit without barriers to entry, campus lending platform on bare credits acquiescence and connivance are naked credit repeated reasons. In addition, students have no credit record, no collateral and repayment sources, but consumer demand, excess consumption of them in serious condition, resulting in frequent campus turmoil. Bare widespread concealed loans, every corner of the campus. And multisectoral multiple management faced a situation of neglect, resulting in bare repeated loan. Increase campus credit norms of legislation and regulation on the one hand, improving lending into the campus entry, such as ban on naked credit spread. On the other hand increase the platform qualification of the borrower, lenders risk disclosure obligations and improve as the threshold for borrowers. While standardized collection market, combating illegal loan sharks, collection, Underworld collection put an end to violence.
卧底揭秘“裸贷”：逾期未还钱，被安排“肉体交易” - IT资讯
卧底揭秘“裸贷”灰色产业链
逾期未还贷者或被安排“肉体交易”
近一年来，媒体频繁曝光“裸条借贷”，但这一现象并未销声匿迹。在裸条借贷相关QQ群内卧底长达一年的邢天（化名）告诉记者，经他观察发现，“裸贷”已形成一条灰色产业链，由此衍生出“肉体交易还款”和裸条信息售卖等“盈利”方式，选择裸持借贷的借款人也由此陷入“恶性循环”。
建QQ群招揽“裸贷”生意
所谓“裸条借贷”，就是高利贷团伙通过一些网络借贷平台向大学生提供“裸条放款”。“裸条贷”的借款人一般为女性，她们以手持身份证的裸体自拍照及视频替代借条抵押给放贷人。借款人的借款目的多种多样，有的为个人消费，有的则为了救急。
然而，媒体的频繁曝光及相关政策的出台并未让这一现象销声匿迹。放贷人建立QQ群，不断吸引贷款人入群，以此为平台招揽“裸贷”生意。
刑天受记者委托？？以女性身份在“大学生借贷群”、“裸贷群”等借贷群内潜伏近一年。他发现？？因媒体曝光和腾讯相关政策等原因，一些群名会将“裸”以“果”字替代，或以另起炉灶、更名乔装、全体禁言等方式“躲避风头”。
在群内，常会有放贷人主动加他为好友，吸引他进行贷款，“这些人有民间借贷平台的中介，也有个人。”有些放贷者会在对话开始便询问他是否为处女。对方称“处女额度高一点，非处女额度低一点。”至于贷款利率，他表示，“据我观察，放贷人对此都有不同的要求？？一般在5%到35%之间，裸条利率则视女生资质而定，处女和条件不错的女生利率相对低一些。”
逾期不还贷或被安排“肉体交易”
邢天称，借贷群内还常会出现“裸条打包出售”及“裸条福利”的信息。并有人专门建立“裸条信息售卖”群和“福利群”，公开售卖和分享裸持者的裸照、视频和个人信息。更有人建群安排无法按期还款的贷款人“肉体交易”，即以性交易偿还欠款。
“老资源的价格相对较低，也有人按人售卖，最低可以卖到一人一元。而新资源的价格则较高。”邢天说，可以提供肉体交易的贷款人裸条被简称为“肉体交易资源”，售价从88元到388元不等。而“福利”则是群主免费分享的裸条。
20岁裸借女孩向记者借钱
昨天，记者根据邢天提供的相关信息，进入“校园贷”群，该群公告显示“本群群主专业果（裸）贷二十年，坚决为客户保守隐私。除非逾期不还款的人员，将会公布其资料。群内有一些拒不还款的人员资料视频，给大家做为福利。”
一些已经被公布的“裸条”中有贷款人“裸持”照片、视频及个人信息。记者发现，贷款人遍布广西、吉林、四川等地。学历普遍为大学生和大专生。所留信息包括身份证、住址、父母亲朋电话及学信网账号等。
记者联系到众多借款人中的一学生“小凤”。她添加记者微信后便向记者“借钱”。小凤发布朋友圈显示，她今年20岁出头，在工厂打工，父亲患病。
>>律师观点
校园贷无准入门槛
针对由此衍生出的“售卖裸条信息”及“肉体交易”等灰色链条存在的问题，北京市京师律师事务所高级合伙人、互联网金融法律专家左胜高分析认为，以裸照进行质押是无效的，借款人可及时索回并要求彻底清理。借款未还时，放贷人以裸照进行威胁或出售，该行为已经涉嫌敲诈勒索、传播淫秽物品等刑事犯罪，将照片中的身份信息向他人出售或者提供的，可能构成侵犯公民个人信息罪。受害人可以第一时间报警。发现个人照片或身份信息被公开或贩卖的，及时采取法律手段维权，防止违法侵权行为进一步恶化。
左胜高认为，校园贷没有准入门槛、校园贷平台对裸贷的默许和纵容都是裸条贷现象屡禁不止的原因。此外，大学生普遍没有征信记录、没有可提供担保物和还款来源，但他们消费需求旺盛、过度消费情况严重，造成校园乱象频发。裸贷现象普遍存在隐蔽性强、深入校园各个角落。而且面临多部门多重管理又无人管理的局面，造成裸贷屡禁不止。一方面加大校园贷的规范立法和监管力度，提高网络借贷进校园的准入门槛，禁止裸贷等蔓延。另一方面加大平台对借款人资质审查、出借人风险告知义务，提高大学生作为借款人的门槛。同时要规范催收市场，打击非法高利贷、杜绝暴力催收、黑社会催收。