Nude lenders: induced by active buying plane tickets owed money prostitution of girls-IT information
Recently, "naked 10G" indecent photos events set off a public hot spot, the event involves holding cards nude photo shoot and there 161 as collateral for a loan, age set at the age of 17 to 23 years old. "Naked" lenders exactly how successful lending to women borrowers? Is there sex trade?
Reporters through unannounced visits found that "naked" lenders in the business, including asking for borrower ID number for the iPhone, and to lock the phone threats to Dun, met not in arrears on women, offered to provide airline tickets and tickets to induce each other "meat service"--that is, they offered prostitute services to pay back the loan. In addition, the selling of overdue borrowers lenders will pack a "naked" for profit.
Lenders in the circle of friends to drum up business.
On December 5, the surging news through information, contact who is "naked" businesses, claiming to be "XX microfinance company" with Wang Benyin (not his real name), and "apprentice learn lending skills" to make unannounced visits to the header. People familiar with him said he was transferred, about 30 years old, have a triple identity:
First is engaged in online loan-sharking business, were lending treasures for P2P lending platform, and took the "naked" list;
Second is registered "borrowing treasure everyone rush", which is an Internet platform of Dun, Wang Benyin used to self-timer DUN video, named "warrior" posted on the Internet;
Third is "naked" selling from their circle of friends, at least in September this year, he began selling his collection of "naked" indecent photographs and videos.
"He's black gangs involved, had been in prison, has done for many years loan-sharking," people familiar with him said. These people also said that Wang Benyin usually through QQ, micro-group loan advertising.
Lenders: "buy a train ticket cheat her over"
In September this year, Wang Benyin collected packaging photos of women in a number of overdue loans, a total of 1 g or so, friends ad selling.
"Nude video is more expensive, 88.88 a set," said Wang Benyin, his bare lot are "collected ourselves", that is, their female mortgage lending when requested.
Wang Benyin accept bare had an important criterion is the "face value": "nice, ugly figures not just not done, good-looking women sooner or later will get on your money. Ugly women as well as men, likely are not in this life, you know why? Good looking woman is money, you know? ”
But "nude" was exposed by the media has in recent months, has been at the forefront, women still "naked"?
According to Wang Benyin viewpoint, not only, but many. But he also said many women to borrow money when they know you are not, or will default, but you can make money.
"Are you a ' routine ' deep not deep," Wang Benyin laughed.
Wang Benyin soon on the so-called "routine" explanation is given: "you are under, you have to lie to her, bought her a ticket, airfare cheat. "His" routine "also includes, next, sexual relations with a female and" introduced to others ", which is repeatedly mentioned in the 10G video" meat claims. "
Liu Xinyu, Dacheng Law firm senior partner lawyer said Wang Ben silver if you really follow what says to do this kind of thing, and coercive circumstances, may have been suspected of "rape", if convicted, are usually sentenced to 3 to 10 years ' imprisonment, aggravated sentenced to 10 years in prison, life imprisonment or the death penalty. As to whether follow-up action for "crimes of inducing, taking in and introducing prostitution", "crime of organizing prostitution" and "assist the crime of organizing prostitution" also depends on the specific circumstances.
Above also has seen people familiar with Wang Benyin, King and a young female nude loan counterparts, recognize the woman, because she was told the same group of overdue borrowers to ask for help.
Wang Benyin from the circle of friends, he is late is mercilessly, it said that "every day with a bunch of owed money smelly dirty dealing. Remember the late dog never trust borrows money when acting like a son crying about how difficult, lent him the expired would have been grandchild niggling over to begin. "He also said:" after the dog will use desperate measures. ”
News by providing video found late the surging, DUN people groups "deployed" to owe money to take home set off firecrackers, containment, and spray paint on the door, even beaten and the like.
Through the P2P lending "to keep vouchers good collection"
Wang Benyin to surging journalists recommended a named "Apple loan" loan: borrowers not only to provide identifiable information, family contact, credit sesame seeds also provide Apple ID and password as additional tools. Of course, this can only do small loans, and only for borrowers who own Apple phones.
Apple credits promote screenshots.
"(If) the phone worth 3,000 dollars, you only borrowed 1000 Yuan, his (her) If you don't pay, you take his (her) cell phone locked, he (she) did that phone is not paralyzed, also worthless, can't sell, and can only be sold as parts. You said that a normal person he chose money, still choose phones and sold as parts, "Wang Benyin said. In addition, Wang Benyin says, the Apple ID you can determine the exact location of the borrower.
Wang Benyin also stressed that lenders need P2P NET loan route, this is partly because many net loans require real-name authentication, you can help them, "risk management", on the other hand, is DUN easily in the future.
"Do you know always have a voucher, or ask him for money, and harassment of his family, when proof of what is right," said Wang Benyin, "money must have posted, that has a record of zouzhang know. ”
How to select P2P platforms, he said as long as the real-name authentication, can be "posted", able to borrow, borrow what APP do not matter.
While interest rates may say, said Wang Benyin, he provides weekly rates as the principal of 10%. And according to the Supreme People's Court concerning the trial of cases of private lending provisions on the law applicable to a number of issues, over interest rate of 36% part of the interest shall be determined to be invalid, the right to request the return of the borrowers have to pay. Weeks making 10% clearly has far exceeded the scope of legal protection, is usury.
News from the children involved in the surging "naked" parents learned of the event, many girls had "long loan" records, 20 platform less borrowing, borrowing record in 50 P2P platform.
University student news feed is surging, stick in schools, forums, and class QQ Group saw an outpouring of information requires a girls repayment. Even students that had no knowledge of the case, was not familiar with the students register their mobile phone numbers, leading to receiving collection calls every day, overly disturbing.
裸条放贷者：主动买飞机票诱导欠钱女生卖淫 - IT资讯
近日，“10G裸条”不雅照事件引爆了舆论热点，该事件涉及到手持身份证拍摄裸照并作为抵押以获得贷款的女性有161名，年龄段集中于17岁到23岁。那么“裸条”放贷者究竟是怎么顺利放贷给女性借款人的？其中有没有情色交易？
记者通过暗访发现，在“裸条”放贷者的生意经里，包括索要借款人苹果手机的ID号码，并以锁死手机为威胁来催债，遇上还不上欠款的女性，就主动为其提供飞机票、车票，诱导对方“肉偿”——即提供卖淫服务来偿还贷款。此外，放贷者还会打包兜售逾期借款者的“裸条”来牟利。
放贷人在朋友圈招徕生意。
12月5日，澎湃新闻通过多方信息，联络到一位从事“裸条”生意、自称“XX小额贷款公司”的人士王本银（化名），并以“拜师学习放贷技巧”为由头进行了暗访。与他熟悉的人士表示，此人籍贯浙江，年龄约30来岁，有三重身份：
第一重是多年从事线下高利贷业务，也在借贷宝等P2P平台上放款，并接过“裸条”的单子；
第二重是注册了“借贷宝人人催”，这是一个互联网催债平台，王本银曾经自拍过催债的视频，并命名为“勇士”发布到网上；
第三重是“裸条”的兜售者，从其朋友圈看来，至少今年9月他就开始贩卖自己搜集的“裸条”不雅照和视频。
“他是涉黑混混，坐过牢，已经做了很多年高利贷了，”与他熟悉的人士如此表示。上述人士还表示，王本银经常通过QQ、微信群发布放款广告。
放贷人：“买个火车票把她骗过来”
今年9月，王本银就收集打包了一批逾期借款女性的照片，总共1个G左右，在朋友圈打广告兜售。
“裸条视频比较贵，88.88元一套，”王本银称，他卖的裸条很多都是“自己收”的，也就是自己放贷的时候要求借款女性抵押的。
王本银收裸条有个重要的判断标准就是“颜值”：“就放那种好看的，长得丑的身材不好的就不要放了，长得好看的女的早晚能把你的钱还上。长得丑的女的还有男的，有可能这辈子都还不上了，知道为什么吗？好看的女的就是钱，明白吗？”
但是“裸条”被媒体曝光已经近半年，一直处于风口浪尖，至今还有女性“打裸条”吗？
根据王本银的说法，不仅仅有，而且很多。但是他也表示，很多女性在借钱的时候就知道自己还不上，或者会拖欠，但是基本也能赚钱。
“就是看你‘套路’深不深了，”王本银笑道。
王本银很快对所谓的“套路”给出了解释：“那你就要下套，先要把她骗过来，给她买个火车票、飞机票骗过来。”他的“套路”还包括，接下来与那些女性发生性关系并“介绍给别人”，这也就是10G视频中反复提到的“肉偿”。
大成律师事务所高级合伙人刘新宇律师表示，王本银如果真的按照自己所说做过这样的事情，并且有胁迫情节，可能已经涉嫌“强奸罪”，一旦罪名成立，通常判处3年以上10年以下有期徒刑，情节严重者判处10年以上有期徒刑、无期徒刑或者死刑。至于后续行为是否涉嫌“引诱、容留、介绍卖淫罪”、“组织卖淫罪”、“协助组织卖淫罪”等还要看具体情节。
上述熟悉王本银的人士还曾亲眼目睹，王与一名曾通过裸条借款的年轻女性同行，之所以认出这位女士，是因为她曾经向同样逾期的借款人组成的群体求助过。
从王本银的朋友圈来看，他对逾期者也是丝毫不留情面，曾经表示“天天跟一群欠钱不还臭不要脸的打交道。记住逾期狗说的话永远不要相信，借钱的时候装得跟个儿子一样哭诉自己有多困难，借给他了到期了就开始装孙子耍赖皮了。”他还扬言：“对逾期狗就要采用非常手段。”
澎湃新闻通过逾期者提供的视频资料发现，催债人一般成群结队“出动”，对欠钱者采取家门口放鞭炮、围堵、门上喷油漆，甚至殴打等手段。
通过P2P放款，“留凭证好催款”
王本银向澎湃新闻记者推荐了一种名为“苹果贷”的放款方式：借款人不仅仅要提供身份信息、家人联系方式、芝麻信用分，还要提供苹果手机的ID及密码作为增信工具。当然，这种贷款只能做小额，且只针对拥有苹果手机的借款人。
苹果贷推广截图。
“（假如）那个手机值三千块钱对吧，你只借一千块钱，他（她）要是不还钱，你把他（她）手机给锁了，他（她）那手机不就瘫痪了吗，也就不值钱了、卖不掉了，只能当零件卖。那你说，一个正常人他是选择还钱呢，还是选择手机当零件卖，”王本银介绍道。除此之外，王本银还表示，有了苹果ID就可以确定借款人的具体位置。
王本银还强调，放款需要通过P2P网贷的途径，这一方面是因为很多网贷要求实名认证，可以帮他们“做好风控”，另外一方面，更是为了以后催债方便。
“总要有一个凭证的你知道吗，不然找他要钱，骚扰他家里人的时候，你拿什么凭证出来是吧，”王本银说，“钱一定要过过账，就是说有走账的记录知道嘛。”
至于如何选择P2P平台，他表示只要实名认证、能“过账”、能打借条的都可以，具体是什么借贷的APP无所谓。
而利率怎么规定，王本银表示，他规定的是每周利率为本金的10%。而根据《中国最高人民法院关于审理民间借贷案件适用法律若干问题的规定》，超过年利率36%部分的利息应当被认定无效，借款人已支付的有权请求返还。周息10%显然已经远远超过法律保护范围，属于高利贷。
澎湃新闻从子女涉入“裸条”事件的父母处得知，不少女生都有着“多头借贷”的记录，少则借款20家平台，多的在50家P2P平台上都有借款记录。
也有大学生向澎湃新闻反馈，在学校贴吧、论坛、班级QQ群中看到过铺天盖地的要求某个女生还款的信息。甚至有学生表示，在不知情的情况下，被不熟悉的同学登记了自己的手机号，导致每天都会接到催收电话，不胜其扰。