Sophomore girls in Hefei borrowed 50,000 yuan from a ＂naked loan＂ and finally owed 500,000 yuan. Parents were forced to sell their houses.

After repeated exposure by the media, "naked loan" has entered the field of vision of more and more people. Xiao Jing (a pseudonym), a sophomore girl in a vocational school in Hefei, borrowed money to spend money with her boyfriend through "naked loan" and ended up in a quagmire. The principal borrowed for personal use is less than 50,000 yuan, less than one year, and the loan principal owed has reached 300,000 yuan, and the total principal and interest is more than 500,000 yuan. After he couldn’t afford the money, his photo of naked ID card was exposed to the Internet, and his family’s phone calls were also blasted by debt collection calls. As a last resort, the family is selling the only house for repayment while calling the police.

Event: Girls spend a lot of money on boyfriends, nude photos mortgage high-interest loans.

Some time ago, a netizen broke the news on Weibo, saying that Xiao Jing, a sophomore girl in a vocational college in Hefei, had been missing for a week on the grounds that she only loved the investment in cold light whitening instruments, mortgaged her nude photos and forged her father’s guarantee, defrauding and absconding with money. At present, there have been many victims of fraud. Weibo Middle School also exposed the photos of girls with "naked" ID cards, and their home address, school dormitory address, major, contact information of parents, school teachers and even classmates were all announced one by one, and Weibo immediately caused an uproar.

According to the contact information in the picture, the reporter contacted Xiao Jing’s father, Zhang Xu (a pseudonym). He told the reporter that Weibo’s disclosure was false except that his daughter forged her own guarantee. "She did owe a lot of money outside, but she didn’t cheat." Zhang Xu told reporters that her daughter had a boyfriend in her freshman year without telling her family, which cost a lot and her family was average. When she had no money, she borrowed money through the online lending platform by means of "naked loan", and the principal was as high as 300,000 yuan. There were as many as 59 online lending platforms and lenders who had "loans" with her. "Most of this 300,000 yuan is not borrowed, but borrowed to repay the debts owed in the previous period. In this way, robbing Peter to pay Paul, resulting in more and more debts. The real money she borrowed for her own use was almost less than 50,000 yuan, and the result was less than one year. Now the total principal and interest is more than 500,000 yuan. " Zhang Xu told reporters that the weekly interest rate of her daughter’s "naked loan" loan is as high as 3 points, and "the interest of 10,000 yuan a week is as high as 3,000 yuan."

Multiple creditors are not allowed to spread their photos and other privacy when collecting debts.

Xiao Jing first borrowed money through "campus loan". Later, the more money he borrowed, the less he could pay, so he had to use the naked loan to "borrow and support the loan". Through her father, she stressed to reporters that these so-called "victims" who claimed to cheat money were not their own so-called partners, but all lenders. They exposed their photos online in order to force her to pay off her debts.

In fact, after Xiaojing’s overdue payment, the object of the lender’s forced debt has spread to people around her. Some lenders exposed her information in the post bar of Xiaojing’s school, and even sent false messages to her classmates. Even those who have contacted her in the last three months have received these false information. In addition to Xiao Jing, the lives of Zhang Xu and other family members were also "disturbed" by the phone calls of the debtors. "On average, more than 30 dunning calls can be received every day, and there are 15 at least one day." Zhang Xu said. "Now that things have gone out, my daughter is under great pressure. I am now in contact with these lenders to see if I can repay the principal first and then compensate some interest. " Zhang Xu said that most lenders are better. "There are six or seven lenders who are not very talkative. They posted photos of my daughter on Weibo, and rumors that she lost contact after fraud are also among them." Zhang Xu said, "My daughter is still wet behind the ears, and she realizes that she has made a mistake. What I can do now is to minimize the impact of these photos on her future life. Give her another chance. "

Father is going to sell the house to pay off debts and has reported to the police station.

Zhang Xu works as a driver in a private enterprise, earning more than 4,000 yuan a month. His wife charges in the local vegetable market, and he gets more than 1,000 yuan a month. There is also a young son who has just entered the fifth grade at home, and his life is already difficult. In order to pay back the money, he began to borrow money, and he begged his colleagues, neighbors, relatives and friends all over again. Because of the high interest rate, the debt is still snowballing. In desperation, Zhang Xu decided to sell the house she lived in online. "How can a normal family sell the only house? The current economic situation of our family is really collapsed. " He said.

At present, Mr. Zhang has reported to the police station in the jurisdiction that his daughter’s photo was exposed to the Internet by the other party, and the police are investigating the matter.

In the interview, Zhang Xu told reporters that around her daughter, this kind of campus loan in the form of "naked loan" is very rampant. "In a very well-known 211 university in Anhui, a student used to borrow money through’ naked loan’, and the principal and interest were more than 100,000 yuan. Later, it was not available, and the family knew it. I tried to pay her back. At present, she is lending money to others, and my daughter has borrowed money from her. "

Zhang Xu told reporters that after contacting the lender, "she is also a good person, and for the sake of conscience, she reduced part of my daughter’s debt."

Zhang Xu said that the harm of "naked loan" is very far-reaching. The reason why he stood up for an interview with reporters was to warn other students in the society, including their parents, to recognize the true face of this "campus loan" and not to be deceived again. "As parents, it is especially important to supervise their children’s behavior on campus and their financial situation. Educate children to be diligent and frugal, and spend according to their abilities. " Zhang Xu hopes that there will be fewer victims like her daughter in the future.

Statement: operating campus loans without a license violates the crime of illegal business.

Lawyer Zhu Zheng of Anhui Zhongtianheng Law Firm told reporters that they have also seen this kind of rights protection case in which private photos were leaked on the Internet due to "naked loan", and the final result was that the lender was convicted for spreading obscene articles. According to Zhu Zheng, if "campus loan" is not individual and sporadic, but organized and large-scale normal lending, it belongs to the category of lending business. If there is no relevant license, it may violate the crime of illegal business in the Criminal Law. According to its introduction, on August 24th this year, four ministries and commissions, namely China Banking Regulatory Commission, Ministry of Industry and Information Technology, Ministry of Public Security and Network Information Office, officially issued the Interim Measures for the Management of Business Activities of Information Intermediaries in peer-to-peer lending, which will definitely have a strong regulatory and governance effect on online loans such as campus loans. At present, the status quo is that after the introduction of this method, many campus loan business forms have changed from the legal situation to being directly characterized as illegal. "Many campus loans have disappeared."

(The original title is "Naked Debit", and the nude photos of sophomores are exposed.)