Topless borrowers: up from teachers ' College, the oldest is 47 years old-IT information
On November 30, 10G "nude" photos and video has produced a flow of public hot spots, reporters sums found, compressed file contents involved 161 women, ages focus between 17 and 23 years old, exposure of their identity and contact relatives. Judging from the school, a total of 28 schools information is divulged, involving 25 institutions from Henan and Jiangsu College up, respectively, 3. Normal school and Medical College became a "disaster zone", in which single Anyang 3 people. In addition, from the outflow of QQ chat screenshots, lenders encouraged "naked credit" female masturbation to get loans, as well as "meat claims" way to pay off debt.
Sichuan citizen "naked" most borrowers, the oldest, 47 years old
161 women borrowers, 146 of origin information was leaked. Most Sichuan, 14, followed by Guangdong and Jiangsu, 11 and 10 respectively; the third Echelon, Henan and Heilongjiang, are 9. North Canton area less, 1 people in Beijing, Shanghai, Guangzhou, 3.
Belongs to the city and County, the vast majority of borrowers origin for three or four cities, and live in more rural, native to North Canton city's only 7, does not exceed the total number of 5%.
In 161, 144 people age information is compromised. Among them, the youngest of 4 born in 1999, one of the oldest was born in 1969, born in Henan, last year when a court as lose the trust of the people. "Naked credit" is the most concentrated time of birth between 1993 to 1997, most still in the University, this part of a total of 91 people, accounted for more than 63.2%.
Naked age distribution of loans
Judging from the school, a total of 28 schools information is divulged, involving 25 schools, of which 3 are private colleges, 10 for a vocational or College, remaining mostly local undergraduate colleges. Judging from the locational, from Henan University has 3, 6 students; from Jiangsu University 3, a total of 3 students. Normal school and Medical College became a "disaster zone", in which single Anyang 3 people.
In addition to college students in addition to nude women working there have graduated, partly engaged in hotel and restaurant services and sales of beauty, some even spouse.
From the IOU itself, 26 people borrowing amount was leaked, the highest is 23,000 yuan, the lowest is 1000 Yuan, the majority of borrowing the amount between 2000 and 6000 Yuan, who account for more than 38.5%. Term of loan, leaked in 24 records, the longest is 9 months, the shortest is 5 weeks. Among them, 5 people to borrow for a period of 2 weeks, 5 1 month, 4 people for 1 week. Can say most people are short-term emergency loans. Judging from the interest, the highest weekly charge 15% interest on the principal, was also being charged interest on principal 100% 2 months, far more than 24% years provisions within the legal protection of the folk debit and credit interest rates.
Female college students ' IOU
And a late fee is more expensive. Some ious show days overdue in accordance with 20% of the principal charge, charge on the 30% of principal overdue for more than 3 days, over 7 days directly to the collection staff. And a loan amount of 1300 students, prescribe a period for borrowing only a week, sign a promissory note, if overdue, voluntarily turned over to the principal 5% daily service charge.
Judging from contacts leaked, 161-49 people's personal cell phone number was leaked, but previous attempts to contact shows that outages or shutdowns could not be contacted. In addition, relatives of the 40 people contact details were leaked. Lenders require borrowers to provide information covering its entire "ring of friends", students ' parents, counselors, and roommate contact information and class QQ, micro-credit, letter of group numbers. Provisions of lenders and borrowers, if 3 days not taken the initiative to explain the situation, measures will be taken in the major social networking sites, school, circle of friends site exposure of personal information, and notify the parents and school students and teachers.
In addition, to provide an ID photo pros and cons, student information pages, registration pages, covers, class and group shots, handheld ID card photo, holding a student ID photo, Sesame screenshot and screenshot letter network, some students even provided nearly three months of phone broadcast and receive detailed listing. There is a woman who has been working in addition to the above information, it also provides the query form of ownership and Housing Fund, Bank water, health card number, account, copy of marriage certificate and other electronic gear.
Lenders to encourage female masturbation and "meat service"
Worth noting is that 161 out of 9 have no handheld ID nude photo shoot, and 92 people self indecent video was leaked, 6 of them are marked as "meat claims."
Articulated in the form of borrowing requests for nude photos
According to the 10G QQ screenshot, someone asks when they recommend the student loan is like net loan or private loan, "net credits through PayPal, lending platform such as Bao get a little money, private loans is the need for the interview." When a girl said that Bao had an overdue already borrowing record, lenders do not think Italy, also means "naked credit" can proceed: "so that you can't take the net loan, you can borrow private loans. ”
Reporters found that the requested General female nude portrait of lenders, which reduces the humility of female college students. In a QQ chat, a lender directly acknowledge that avatar is not I, and has language frivolous, said after receiving an intimate camera video of female college students: "you pull up I was responsible to the I". And several times in a conversation with metaphors, and some women also reply to pornographic content.
These lenders often point to the pictures of female students "unqualified" required to expose more privacy and self abuse, saying it was to "audit", and persuaded: "this is for everybody that has protection in case of overdue."
When a borrower asks photos would leak for no reason, the other side says: "only the overdue list to be disclosed". When asked what remedies the overdue, lenders and even says flatly: "fails to inform us in advance, nude chat, direct meat to pay debts. ”
The so-called "meat service", is under the lenders, borrowers overdue sexual relations with a male stranger. 6 videos in the data is marked as "meat service", but cannot investigate what is really happening and record video, or is downloaded from another site.
Video taken in addition to masturbation video, handheld ID card also read their identity information, loan amount and term, all the women at the end of the video, said: "once the overdue, I assume all the consequences."
These video sites for the women's dormitory, toilets and changing rooms, has been working women filmed in rented house or home.
Worth noting is that most "naked credit" women were asked to hand in 3-5 photos, it appears from the photos, dress, makeup very much to see no sign of embarrassment. In the face of the lens when shooting, some women even use soft light self-timer, or deliberately set the angle, and a few even smile on her lips, and even gestures than "v".
In the 10G folder, many women will be marked as "beautiful", which also makes them more exposed to the view of viewers.
裸照借款者：最多来自师范院校，最年长者47岁 - IT资讯
11月30日，10G“裸条”照片和视频资料的流出引爆了舆论热点，记者整理归纳后发现，压缩文件内容涉及161位女性，年龄段集中于17岁到23岁之间，其身份信息和亲友联系方式遭到曝光。从学校来看，共计28人学校信息被泄露，涉及25所院校，来自河南与江苏院校最多，分别有3所。师范学校和医学高等专科学校成了“重灾区”，其中单安阳师范学院就有3人。此外，从流出的QQ聊天截图来看，放贷者鼓励“裸贷”女性自渎来获取贷款，以及以“肉偿”方式来还清欠款。
四川籍“裸条”借款人最多，年龄最大者47岁
在161位女性借款人中，146位的籍贯信息被泄露。其中四川最多，有14人；广东和江苏次之，分别为11人和10人；第三梯队是河南和黑龙江，均为9人。北上广地区分布较少，北京有1人，上海、广州有3人。
从具体所属的市县来看，绝大多数借款人籍贯为三四线城市，且居住地在农村的较多，籍贯地为北上广一线城市的人数仅为7人，不超过总数的5%。
在161人中，144人的年龄信息被泄露。其中，最年轻的有4位为1999年生人，最年长的有一位竟然是1969年生人，籍贯河南，在去年的时候曾经被当地法院列为失信被执行人。“裸贷者”最集中的出生时间是1993年到1997年之间，大部分还处于大学时段，这部分共计91人，占比63.2%。
裸条借贷年龄分布
从学校来看，共计28人学校信息被泄露，涉及25所院校，其中有3所为民办院校，10所为高职或专科院校，剩余多为地方普通本科院校。从院校所在地来看，来自河南的院校有3所，共有6名学生；来自江苏的院校也有3所，共3名学生。师范学校和医学高等专科学校成了“重灾区”，其中单安阳师范学院就有3人。
除了在校大学生之外，打裸条的还有一些已经毕业工作的女性，部分从事酒店服务工作和美妆销售，有些甚至还有配偶。
从借条本身来看，26人借款金额被泄露，最高的是2.3万元，最低的是1000元，多数人的借款金额在2000元到6000元之间，这部分人占比38.5%。而从借款期限来看，被泄露的24条记录中，最长的是9个月，最短的为5周。其中，5人借款期限为2周，5人为1个月，4人为1周。可以说大多数人都是短期应急借款。从利息来看，最高的为每周收取本金15%的利息，还有人2个月被收取本金100%的利息，远远高出年化24%以内的法律保护的民间借贷利率规定。
女大学生借条
而逾期费用更为高昂。有些借条显示，逾期一天按照本金的20%收取费用，逾期超过3天按本金的30%收取，超过7天直接交给催收人员。还有一名借款金额为1300元的在校生，约定的借款期限仅有一周，签下借条称，一旦逾期，每天自愿上交本金5%的服务费。
从联系方式泄露的情况来看，161人中49人的个人手机号码被泄露，但记者此前尝试联系，均显示停机或关机，无法联络上。此外，40人的亲友联系方式被泄露。放贷人要求借款人提供的信息覆盖了其整个“朋友圈”，学生的父母、辅导员、室友联系方式，甚至是班级QQ、微信、飞信群号码。放贷人与借款人规定，如果逾期3天不主动说明情况，将采取措施在各大社交网站、学校网站、朋友圈进行曝光个人信息，并通知父母与学校相关同学、老师。
除此之外，还要提供身份证正反照片、学生证信息页、注册页封面、班级群截图、手持身份证照片、手持学生证照片、芝麻分截图和学信网截图，有些学生甚至提供了近三个月的电话播出和接听的详细清单。有一位已经工作的女性除了上述资料之外，还提供了房产证、住房公积金查询单、银行流水、医保卡号、户口本、结婚证等复印件电子档。
放贷者鼓励女性自渎及“肉偿”
值得注意的是，161人中仅9人没有拍摄手持身份证裸照，此外92人自拍的不雅视频被泄露，其中6人被标记为“肉偿”。
借款表格中明确提出提供裸照的要求
根据10G资料中的QQ截图，有人向学生推荐贷款时会询问是想要网贷还是私贷，“网贷是通过支付宝、借贷宝等平台弄个一点钱，私贷就是需要面签的”。当一位女生表示已经在借贷宝有过一次逾期记录时，放贷者并不以为意，还表示“裸贷”可以继续进行：“这样就不能走网贷了，你可以去借私贷。”
记者发现，要求提供裸条的放款人的头像一般为女性，这降低了女大学生的防备心。在一段QQ聊天中，有个放贷者直接承认头像不是本人，并多次语言轻佻，在接收到女大学生私密自拍的视频后表示：“你撩到我是要对我负责的”。并在谈话中多次带有性隐喻，而有些女性竟也同样以色情内容加以回复。
这些放款人经常指出女大学生的照片“不合格”，要求提供暴露更多隐私部位并进行自渎，称这是为了“方便审核”，并劝说道：“这是为了大家都有保障，以防逾期不还”。
当借款人询问照片会不会无故泄露时，对方表示：“只有逾期不还的才会泄露”。再询问逾期有什么补救办法时，放贷人甚至直截了当地表示：“不能还款提前通知我们，可以裸聊，可以直接肉偿抵债。”
所谓的“肉偿”，就是在放贷人的安排下，逾期的借款人与陌生男性发生性关系。虽然资料中有6段视频被标记为“肉偿”，但无从考察到底是真实发生并录制的视频，还是从别的网站下载的。
拍摄的视频除了自渎视频外，还有手持身份证念出自己身份信息、借款金额和期限的内容，所有女性均在视频末尾表示：“一旦逾期，一切后果由我个人承担”。
这些视频拍摄的地点多为女生宿舍、洗手间以及更衣室，已经工作女性的拍摄地一般在出租屋或者家里。
值得注意的是，大部分“裸贷”女性都被要求上交3-5张生活照，从生活照中看来，基本衣着光鲜，不少对妆容非常在意，看不出生活困窘的迹象。在面对镜头拍摄的时候，有些女性甚至采用柔光自拍，或者刻意摆好角度，少数甚至嘴角露出微笑，甚至手势比“V”。
在这10G的文件夹中，不少女性会被标记为“漂亮”，这也使得她们更加暴露于观看者视野。