Mired in naked credit maw of female college students: take 4000 RMB 100,000 is not enough-IT information

Recently, a female college student "naked credit" indecent photos leaked information, "naked credit" once again become the focus of public concern. Modern express reporters from Nanjing East police was informed that they had just recently to assist police in the field, caught a "naked credit" form of extortion suspect. The victim of the case is a female college student in school, borrowing for the first 4000 Yuan, in six months time, has been given a number of nude and indecent video as loan collateral. Now, she's 100,000 yuan, but still failed to pay up. Eventually, her parents received daughter nude this alarm.

The incident

Father receiving collection calls and daughter nude

"If it's not the girl's father received naked pictures of children, police, she did not know what time to deep. "Xuanwu in Nanjing Public Security Bureau Police Brigade deputy leader Wan Xiaobo introduction, according to the information provided by the police in the field, in early November this year, local people of old ice alarm to the police, said they received naked pictures of his daughter.

Old ice told police, his daughter is a college student, junior of the year. Just a few days ago, he got a cold call in the field, said his daughter Chen Xue borrowed money. Old ice immediately asked his daughter what happened, daughter says you owe the money and usury, requires 40,000 yuan to return the money. At that time, the old ice after blaming her for a few sentences, for 40,000 yuan to the daughter card. The thought that money was just fine, which, after a few days, old ice reminder message again, this time for a person. ≫>> nude borrowers were exposed: the most senior person at 47 years old

Old ice that things were not so simple, again asked his daughter what happened. At this time, Chen Xuecai told him, he originally borrowed and borrowed a lot of money on the outside and are nude and indecent video as collateral. Old ice, see news heard "naked credit", but had no idea, her daughter turned out to be stained. Soon, the collection calls one after another, it was even said to the old ice, nude photos of Chen Xue on their hands.

Old ice very angry and harshly denounced each other, but the next day, he received naked pictures of her daughter on the phone. Old ice knows it is not what a deal you can make, so hurry to police.

Secret nude credits

To borrow $4000 RMB 100,000 is not enough

After receiving the alarm, local police found Chen Xue immediately to investigate the incident. Police, Chen Xue is already dry. It turns out that she owed not only families received her topless, and students received. Chen Xue how much borrowed money? Chen Xue told police early this year, she borrowed a 4000 Yuan. But because they can not also, started by loan sharks behind rob Peter to pay Paul, these loan sharks who was worried about her not of money, require their nude, indecent video as collateral.

Chen Xue told police, she borrowed money from several people back and forth, sent out nude and indecent video series, himself can't remember too clearly. Out has been as much as 100,000, but no debts to pay off. ≫>> campus credit events, Anhui has reported the girls "naked credit" photo leaked

"Chen Xue reflects the situation, the police were very surprised, do not know exactly how her ' naked credit ' deeper than deep. "Wan Xiaobo said that as Chen Xue will everything to thin road, about" naked credit "all sorts of hidden details emerged.

Business fails to fill the holes lend loan sharking

Earlier, Chen Xue bought a laptop through staging. Later, after some market research, she decided to do business through selling toiletries. But will cost business, she didn't want to with his family for money, decided to become self-reliant. So she searched online payments platform, borrowed 4000 Yuan, into a set of toiletries.

However, no simple as Chen Xue think of doing business. Toiletries don't sell her to loan each month then had no funds. By July of this year, 4000 Yuan loans expire, in order to pay back the money, Chen Xue thought the only option would be to borrow. "Your own toiletries and once sold, money payments. "The police said.

Introduced through friends, Chen Xue met friends at a lending platform Jun Zhou. Each other, said Chen can use snow 4000 Yuan, just a week after the return of 5000 Yuan. Chen Xue is ill at this time about this, immediately agreed. But she did not think of this move caused endless trouble.

Not money, was forced to mortgage indecent videos

Chen Xue told police, when to borrow from Jun Zhou and her identity, status information is provided according to the other requirements, as well as mobile phone services password. Zhou Jun said, so as to obtain Chen Xue's phone records, if she does not pay, Jun Zhou can be harassment of Chen Xue's family and friends.

A week will soon be over, Chen Xue toiletries didn't sell her where the rich pay. But Jun Zhou reminder calls had come, said if Chen Xue did not return the money, telling her parents. Chen Xue did not want to borrow money from parents know their thing. She pleaded Jun Zhou, said he is not money. At this point, Jun Zhou said that there is a way you can apply for deferment, is to let Chen Xue an indecent video provided to him.

Faced with this requirement, desperate Chen Xue finally agreed. According to Jun Zhou's request, she recorded three minutes of indecent video, Jun Zhou was past. Jun Zhou to extend the repayment period of 4 weeks. However, due payments are not 5000 Yuan, and 12000 Yuan.

Interest rolling higher and higher, the creditors recommended "robbing Peter to pay Paul"

A month and will soon be over, that on the payment day, Chen Xue is still have no money. At this point, Jun Zhou recommends two online lending platform, Chen Xue "robbing Peter to pay Paul." According to Chen Xue reflect themselves borrow from both platforms got 7000 Yuan, all back to Jun Zhou. The remaining 5000 Yuan, Jun Zhou has also been urging and said if you don't pay, then made an indecent video.

Chen Xue did not agree with, threaten each other, if not, it will distribute indecent videos of the last time Chen Xue's family and classmates. In order to force Chen Xue fan, Jun Zhou also said that, if you delay to indecent video, penalty interest of 200 yuan per minute. In this way, after 10 minutes, Chen Xue's arrears had become a 7000 Yuan. In desperation, she once again recorded an indecent video.

After master Chen Xue handles, Jun Zhou is insatiable, he asked Chen Xue weekly 2000 interest until even with interest paid 7000 Yuan. Since then, Chen Xue has been Jun Zhou to master, in order to return the money, she had to borrow money through other channels, and many over the mortgage yourself nude and indecent video. Prior to the incident, Chen Xue people have already "naked credit", even as to how much money we want are already confused.

Police action

A suspect arrested in Nanjing

According to Chen Xue reflects the situation, the local police quickly targeted a number of suspects, one of whom is living in Nanjing, Wang Qiang. "Jun Zhou and Wang Qiang is a group of children, Wang Qiang funding Jun Zhou is responsible for someone to borrow. "Wan Xiaobo told reporters that Chen Xue Jun Zhou on borrowed money was provided by Wang Qiang, interest received, Jun Zhou and Wang Qiang 46.

In the East with the assistance of the police, in late November, Wang Qiang at the work unit was captured by the police. Police found Wang Qiang has a legitimate job, good income too. For use on the Internet "naked credit" loans, Wang Qiang account, he knew the details. Originally, Wang Qiang was just lending platform through the network to lend money, earn interest subsidies for household, but after meeting Jun Zhou, everything changed. High interest rates, he teamed up with Jun Zhou lenders. He Jun Zhou said interest is so high that if you're not receiving money back do? Jun Zhou says, he has these college girls "handles", that is nude and indecent video.

At present, Wang on suspicion of extortion, has been transferred from police in Xuanwu Chen Xue in the police back home. The case is still under investigation.

Police advise

"Naked credit" has become the industrial chain, college students need to guard against

Recently, on "naked credit" news press, behind the victim groups is enormous. Nanjing Xuanwu, police said, lenders use a nude, indecent video forced repayment behavior, has been arrested for extortion. From the current situation, "naked credit" is becoming a gray industrial chain, will pull more people into trouble.

Wan Xiaobo said Chen Xue found in the case, Chen Xue after the contact Jun Zhou, Jun Zhou is recommending other borrowers and met her, so as to make the "robbing Peter to pay Paul." "The move, in fact, is to make deeper Chen Xue, which are more likely to be criminals control. "Wan Xiaobo said that online disclosure of" naked loan "cases, some victims have even reduced to prostitution as a result of female college students. "In fact, a ring and a ring, all unruly elements woven traps, the borrower deeper, outlaws the illicit profits through layers of link. ”

At this point, Police advise the majority of college students, to establish a correct concept of lending, not to blind yourself unrealistic consumption loans, borrow more cannot tell their personal information, the so-called "naked credit" is take the initiative away from. Once the loans are in trouble, first time to inform parents, teachers and the police.

女大学生深陷裸贷无底洞：借4000元还10万还不够 - IT资讯

最近，一则女大学生“裸贷”不雅照泄露的消息，让“裸贷”再次成为公众关注的焦点。现代快报记者从南京玄武警方获悉，最近他们刚刚协助外地警方，抓获了一名以“裸贷”形式敲诈勒索的嫌疑人。该案件的受害人是一名在校女大学生，为了最初的4000元借款，在大半年时间里，已经先后给出了数张裸照和多段不雅视频作为借款抵押。如今，她已经还了10万元，但还是没能够还清欠款。最终，她的家长收到女儿裸照，这才报警。

案发

父亲收到催款电话和女儿裸照

“如果不是这个女学生的父亲收到孩子的裸照，进而报警，她还不知道要深陷到什么时候。”南京玄武公安分局刑警大队副大队长万小波介绍，根据外地警方提供的资料，今年11月初，当地警方接到市民陈冰报警，称自己收到了女儿的裸照。

陈冰告诉民警，女儿是个在校大学生，今年读大三。就在数天前，他突然接到一个外地陌生电话，称其女儿陈雪借了钱没有还。陈冰当即询问女儿怎么回事，女儿表示自己确实欠了钱，而且是高利贷，需要4万元才能还钱。当时，陈冰埋怨了女儿几句后，将4万元钱打到了女儿卡上。本以为还了钱就没事了，哪想到，过了几天，陈冰再次收到催款短信，这次换了一个人。>>>裸条借款者遭曝光：最年长者47岁

陈冰觉得事情没那么简单，当即再次询问女儿怎么回事。这时，陈雪才告诉爸爸，自己为了还最初的借款，又在外面借了不少钱，而且都是用裸照和不雅视频作为抵押的。陈冰表示，自己看新闻听说过“裸贷”，但完全没有想到，女儿竟然会沾上。很快，催款电话一个接着一个，有人甚至直接对陈冰说，自己手上有陈雪的裸照。

陈冰非常愤怒，狠狠地斥责了对方，但第二天，他的手机上便收到了女儿的裸照。陈冰知道这件事已经不是自己能处理的了，于是赶紧报警。

揭秘裸贷

借款4000元还了10万还不够

接到报警后，当地警方随即找到陈雪对事件进行调查。面对民警，陈雪已经是心力交瘁。原来，她因为欠款，不仅家人收到了她的裸照，而且有同学也收到了。那么陈雪究竟借了多少钱呢？陈雪告诉民警，今年初，她借了4000元。但因为无法还上，后面便开始通过借高利贷拆东墙补西墙，这些放高利贷的人担心她还不上钱，就要求其用裸照、不雅视频作为抵押。

陈雪告诉民警，前前后后她借过好几个人的钱，发出去的裸照和不雅视频有好几条，自己都已经记不太清了。而还出去的钱也已经有10万之多，但还是没有将欠款还清。>>>安徽爆出多起校园贷事件女生"裸贷"照片泄露

“对于陈雪反映的情况，办案民警都非常惊讶，不知道她究竟是如何在‘裸贷’中越陷越深的。”万小波说，随着陈雪将事情的来龙去脉细细道来，关于“裸贷”的种种隐秘细节逐渐浮出水面。

做生意失败，为填窟窿借下高利贷

今年初，陈雪通过分期买了一台笔记本电脑。后来，经过一番市场考察，她决定自己做生意，通过微信卖洗护用品。但做生意就要有本钱，她不想跟家里人要钱，决定自力更生。于是她通过网上搜到的分期付款平台，借了4000元，进了一批洗护用品。

但是，做生意可没有陈雪想得那么简单。洗护用品卖不出去，她每个月要还的贷款便没了着落。到了今年7月，4000元的借款到期了，为了还钱，陈雪想到的唯一办法是再借钱。“这样自己的洗护用品一旦卖掉，就有钱还款了。”办案民警说。

通过网友介绍，陈雪在一个借款平台上结识了网友周俊。对方表示，可以借给陈雪4000元，不过一个星期后要归还5000元。此时的陈雪已经是病急乱投医，当即答应了。但她没有想到，自己的这个举动，惹来了无穷无尽的麻烦。

还不上钱，被逼抵押不雅视频

陈雪告诉民警，当时向周俊借钱时，她根据对方要求提供了身份信息、学籍信息，以及手机号的服务密码。周俊表示，这样是为了调取陈雪的通话记录，如果她还不上钱，周俊就可以骚扰陈雪的家人和朋友。

一个星期很快过去，陈雪的洗护用品还是没有卖掉，她哪里有钱还账。但周俊的催款电话已经打了过来，表示如果陈雪不还钱，就告诉她父母。陈雪并不希望父母知道自己借钱的事。她苦苦哀求周俊，称自己实在还不上钱。这时，周俊表示，有个法子可以办理延期还款，就是让陈雪提供一段不雅视频给他。

面对这个要求，走投无路的陈雪最终答应了。根据周俊的要求，她自己录了三分钟的不雅视频，给周俊发了过去。周俊就将还款期延长了4个星期。不过，到期的还款金额可不是5000元了，而变成了12000元。

利息越滚越高，债主推荐“拆东墙补西墙”

一个月又很快过去，到了还款日，陈雪依旧没钱。这时，周俊推荐了两个网上借款平台，让陈雪“拆东墙补西墙”。据陈雪反映，自己从这两个借款平台借到了7000元，全部还给了周俊。剩下的5000元，周俊也一直催要，并表示如果不还钱，就再发一段不雅视频。

陈雪不同意，对方就威胁，如果不发，就将上次的不雅视频发给陈雪的家人和同学。为了逼陈雪就范，周俊还表示，如果迟给不雅视频，每分钟罚息200元。就这样，10分钟后，陈雪的欠款已经变成了7000元。无奈之下，她只得再次录制了一段不雅视频。

掌握陈雪的把柄后，周俊更是得寸进尺，他要求陈雪每周还2000元利息，直到连本带利将7000元还清。自此之后，陈雪已经完全被周俊掌握，为了还钱，她不得不通过其他渠道借钱，而有不少也是通过抵押自己的裸照和不雅视频。一直到案发前，陈雪已经通过多人进行“裸贷”，连自己究竟要还多少钱都已经搞不清了。

警方行动

一名嫌疑人在南京落网

根据陈雪反映的情况，当地警方很快锁定了多名嫌疑人，其中一人是身在南京的王强。“王强和周俊是一伙儿的，王强提供资金，周俊负责找人借款。”万小波告诉记者，陈雪从周俊手上借的钱都是王强提供的，收到的利息，周俊则和王强四六分成。

在玄武警方的协助下，11月底，王强在工作单位被警方抓获。警方发现，王强有正当的职业，收入也不错。对于在网上利用“裸贷”借款的事，王强交代，他知道其中的细节。原来，王强本来只是通过网络借贷平台出借钱款，赚点利息补贴家用，但结识周俊后，一切都变了。为了高额利息，他和周俊合作放款。他向周俊表示，利息这么高，如果收不回钱怎么办？周俊则表示，他有这些女大学生的“把柄”，即裸照和不雅视频。

目前，王强因涉嫌敲诈勒索，已由玄武警方移交陈雪老家的警方处理。此案仍在进一步侦办之中。

警方提醒

“裸贷”已成产业链，大学生需警惕

近期，关于“裸贷”的新闻频频见诸报端，其背后的受害人群体十分庞大。南京玄武警方表示，债主使用裸照、不雅视频逼迫还款的行为，已经涉嫌敲诈勒索。而从目前的情况看，“裸贷”正在成为一条灰色产业链，将更多的受害人拉入泥潭。

万小波表示，从陈雪此案中可以发现，陈雪在接触周俊后，是周俊推荐其他的借款人和她相识，进而让其“拆东墙补西墙”。“这一举动，其实就是让陈雪越陷越深，从而更易被不法分子操控。”万小波说，从网上披露的“裸贷”案件来看，有部分受害的女大学生甚至因此而沦落到卖淫赚钱的地步。“实际上，一环套一环，一切都是不法分子编织的陷阱，借款人越陷越深，不法分子则通过层层环节非法牟利。”

在此，警方提醒广大大学生，要树立正确的借贷观念，不要为了自己不切实际的消费而盲目借款，借款时更不能将自己的个人信息和盘托出，所谓的“裸贷”更是要主动远离。一旦因借款遇到麻烦，要第一时间告知家长、老师，并报警求助。