First, it is suspected of extortion. Extortion refers to the act of threatening others, demanding a large amount of public or private property or extortion for the purpose of illegal possession. In the phenomenon of "naked loan", criminals threaten the borrower with naked photos, forcing the borrower to return the principal and interest beyond the legal provisions, which is illegal possession; Lenders disposed of their property out of fear, which caused them to suffer property losses. The means and purpose are illegal, which meets the constitutive requirements of the crime of extortion. According to the law, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined.

The second is suspected of infringing citizens' personal information. Paragraph 1 of Article 253 of the Criminal Law stipulates: Whoever, in violation of relevant state regulations, sells or provides personal information of citizens to others, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. For individual citizens, information such as ID number, school and home address is private. Lenders send borrowers' information online or resell it, which is suspected of infringing citizens' personal information.

Third, the crime of allegedly spreading obscene articles. Whether the borrower uploads nude photos or the lender threatens the lender with nude photos, it constitutes the crime of spreading obscene articles. Fourth, suspected of insulting. The uploaded nude photos spread on a large scale and reached a certain number of views, which dealt a blow to the personality or spirit of college students and had serious consequences, which may constitute an insult.