Naked loan means that when borrowing money, the borrower holds a naked photo of his ID card instead of an iou. In the event of default, the lender forces the borrower to repay the loan by exposing nude photos and contacting the borrower's parents.
Recently, naked loans of college students have been frequently exposed. According to the China Youth Daily, the examination of naked loans is getting stricter and stricter. "The borrower needs to take nude photos 10 of his hand-held ID card, 3 photos of his private parts, a bathing video of not less than 3 minutes, other videos of not less than 3 minutes and other materials. After the audit is completed, you can fill in the loan slip and finally lend money.
Girls who participated in naked loans at first thought things were simple. Take off your clothes and take a photo, and you can get two or three thousand dollars, which is much easier than other ways to make money.
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In fact, naked loans are a variant of the porn industry.
There are many traps under the simple appearance.
First of all, the interest on naked loans is particularly high.
The general weekly interest rate is 20%-30%. Borrow 1000, and pay back two or three hundred a week. The later, the more I can't afford it.
Secondly, the disclosure and dissemination of personal information.
For example, this time 10G naked loan information compressed package leaked, and the borrower's information was saved in different categories. Whether the borrower has repaid the loan or not, these data will be kept in their computers and spread in various ways.
On February 20 16, a girl dabbled in naked loans, uploaded her ID card and student ID card, and filled in her family details. She borrowed 500 yuan through the platform for the first time, with a weekly interest rate of 30%. Because it has not been repaid, the weekly interest rate is still 30% by borrowing new debts to repay old debts. After rolling interest, it is even more unable to repay. At present, the total amount owed has reached 55,000 yuan.
Why are so many students willing to pay the price of selling their dignity, exposing information and bearing great threats to get naked loans?
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Desire, quick money.
In fact, many people just want to buy something that their living expenses can't support at first.
Many people participate in naked loans just to buy cosmetics and bags that they want to buy but can't afford.
Pursue beyond one's ability for pure desire.
However, it is overlooked that cosmetics and bags obtained only by quick money will not let you enter another trance-like life circle and situation.
Everyone has a different family background and their own way of life.
When I saw more and more glamorous peer shows on the Internet, I heard that "girls should use their own money to buy their favorite bags."
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But ignore what is really preached behind this sentence.
Is economic and spiritual independence
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fluke mind
Many people feel lucky when they borrow naked, and feel that they can afford it, and the photos will not be circulated.
Maybe you will think, "Let's talk about it later."
How can you believe that keeping a stranger in your heart will protect your privacy? This 10G compressed package event is fully displayed, and the obtained data will be used continuously. The disclosure of these contents is a fatal event for naked lenders. Very important private information about girls is made public and exposed on the internet.
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If mistakes and hidden dangers accumulate, there will be consequences and costs to be borne.
Some people said that after seeing the naked loan video, some girls said, "I will bear all the overdue results." Yes, everyone has their own choices, but can you really bear the "consequences"?
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Naked loan is to mortgage your body and dignity.
To borrow money.
What do we use to measure our dignity?
In some people, dignity is only worth hundreds of thousands.
Zhihu Chen Yutong said:
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Young people can't touch it
Generally, it is something that will damage the mind and habits.
Among them, there is quick money.
When you get the sweetness easily, you will indulge in it and question the meaning of your efforts.
Everything that seems easy to get, without proper efforts, is waiting behind the cliff.
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You've been condemning these girls?
Not only these girls, but also those who buy these video photos and want to get these resources from various "welfare groups" can not be ignored in the naked loan incident. While watching these photos and videos, they typed on the keyboard and abused these girls.
These girls are at fault, but are such spectators innocent?
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When we talk about naked loans, we see that there are so many bright mirrors in this society, reflecting the shadow of desire and immaturity.
In addition to the participation of relevant departments, we want to say to everyone involved,
Love yourself, be responsible for yourself and keep the bottom line.
Through proper efforts, be a person who respects himself, others and happiness.
Good value lies in creating value through respect and hard work, rather than being interpreted by the satisfaction of desire.