/kloc-Zhangfan (a pseudonym), a 0/9-year-old Yangzhou girl, was a little impatient in the past winter vacation. Last semester, she owed 1000 yuan of "campus loan". In order to repay the interest, she borrowed money many times and was finally photographed naked by the borrower. A few days ago, the reporter's investigation found that local public security departments are taking joint actions to investigate and supervise the suspected violations of laws and regulations on campus online loans, with unprecedented efforts to avoid the recurrence of tragedies.
At the end of 20 17, watching her classmates holding cool iphones one by one, Zhangfan wanted to buy a new mobile phone to "welcome the new year", but she only had an allowance of 300 yuan a month to 400 yuan, which was a drop in the bucket for buying a new mobile phone. She thought of "campus loan". On October 7th, 65438/KLOC-0, she contacted a middleman who made a "campus loan". The middleman is also a college student, who "haunts" active QQ groups on various university campuses. Zhangfan didn't know the real name of the other party, only heard that this person was in charge of college student loans.
At noon that day, in the internet cafe near the school, I met with the middleman as scheduled, and Jimou, an intermediary who claimed to be "specializing in loans", also came together. Ji introduced the loan process to her in detail, thinking of the news of "campus loan" that she had been paying attention to before, and hesitated. At first glance, Ji asked her to "talk face to face" with the lender. At 5 pm that day, Zhangfan met the lender Li Liang (a pseudonym) and she was taken to an investment company located in Chahe Street, Hanjiang District, Yangzhou City. This office, which is only over 50 square meters with several tables and sofas, left a deep impression on her. The first impression that the company gave her was "not very formal". "Two middle-aged people in their thirties are not serious people at first glance." During the exchange, the lender was very enthusiastic about Zhangfan and guaranteed that there would be no problems with the loan. "We are serious businessmen and don't want money." The other party told Zhangfan. Zhangfan was still worried, so the lender took out some IOUs, all of which were college students in her school. "Every loan has a signature and a red handprint, and one of them even reached 60,000 yuan." Zhangfan recalled.
At first, Zhangfan intended to borrow 3000 yuan, but the actual operation was not so simple. Additional expenses such as door-to-door fees and agency fees total 3,000 yuan, which should be included in the principal. She calculated that 420 yuan's interest should be repaid every week, and the principal and interest must be repaid within 1 month. At first, Zhangfan argued for the extra principal of 3,000 yuan for no reason, but Li Liang assumed a posture of "borrowing if you like, and not leaving if you don't borrow". After much hesitation, Zhangfan agreed. "I really want to buy a new mobile phone." She said. Li Liang took out an IOU with a loan amount of 35,000 yuan for Zhangfan to "sign". He explained: "There are many students who finally have no money to pay back. We are only doing this to protect the interests of the company, and we don't really need 35,000 yuan. " At first, Zhangfan was worried about the other party's "cheating", but under the great temptation of the new mobile phone and the "soft grinding and hard foam" of the lender 1 for many hours, she finally signed the IOU and took a photo of her ID card. She was given 3000 yuan in cash on the spot. The next day, I got a mobile phone with a price of more than 2,500 yuan.
Girls gradually fall into the "trap" of nude photos
The novelty of the "new mobile phone" has not passed these days, and it is time to repay the interest for the first time. For Zhangfan, there was little money and living expenses left before. In desperation, she came to this investment company again on June 65438+1October 65438+April 4, and wanted to use 1500 yuan to solve the "urgent need". At this time, Li Liang was the only one in the office. Upon learning the situation, he immediately transferred the money to Zhangfan through WeChat, but asked Zhangfan to "take nude photos". At that time, Zhangfan got a fright, just stood there, at a loss, "mind a blank".
In order to dispel doubts, Li Liang took three photos and told her that they were taken by the girl who borrowed money, and promised not to tell anyone. "These photos are all full-length photos, all exposed at three o'clock, and they all show their faces." Zhangfan recalled. "Give you 1 minute to think about it, either pay back the money now or take pictures." Zhangfan said, the other party suddenly seems to be a completely different person. At this time, she found that the doors and windows of the office were locked and the curtains were closed. See Zhangfan still don't talk, Li Liang's tone began to become intense, he threatened: "if you don't talk, I'll take it as your promise. You have to shoot now, or shoot. " Finally, in the bathroom of this investment company, Zhangfan was photographed nude by Li Liang.
Since then, Zhangfan has paid interest for three times, totaling 1260 yuan. The nightmare is not over yet. On October 20th, 65438+ year/kloc-0, Zhangfan received a phone call from Li Liang. "He said that I broke the contract and asked me to pay back 1. 1.00 million yuan immediately, otherwise I would bring someone to my house for 35,000 yuan." On the phone, Zhangfan kept asking about the reasons for the breach of contract, but the other party didn't explain, so he hung up. Zhangfan was too scared to sleep all night for fear that nude photos would be leaked. The next day, she told her parents about it and called the police station in her jurisdiction. Stop repayment at the suggestion of the police. On October 25th, 65438, accompanied by her parents, she went to the police station to find out the situation. The police investigating the case told her that Li Liang was currently involved in many cases. Six students have borrowed money from this company, and one student is still a minor. This classmate borrowed 4000 yuan twice, found a "social gangster" guarantee, and finally paid back 4600 yuan. "I especially regret it now. Give me another chance, I will never do such a' stupid thing' to buy a mobile phone. " Zhangfan said.
On the one hand, it is necessary to speed up legislation and introduce relevant laws and regulations as soon as possible, so that there are laws to follow. Make detailed provisions on the qualification examination, fund supervision, information sharing and supervision subject of small loan companies and lending platforms, so as to guide their healthy development by legislation. On the other hand, it is necessary to strengthen the financial and legal education of students in school and strengthen their financial security awareness and legal awareness. For example, the lender illegally sells or divulges personal information such as the borrower's ID card online, which is suspected of infringing citizens' personal information; Illegal collection means may also be suspected of extortion, while sellers, resellers and disseminators of nude photos may be suspected of spreading obscene articles. Lenders posted nude photos of students on the Internet, which violated students' right to privacy. As victims, they can claim civil tort liability from publishers.