The legal consequences of naked loans include: the loan contract guaranteed by nude photos is invalid, which violates citizens' privacy rights and is suspected of spreading obscene articles. If there is a crime of repayment coercion and extortion, it infringes on citizens' right to privacy and will have a very serious impact on society and individuals.
If you encounter such loans, you need not only identification, but also protection, so as to fundamentally put an end to these black sheep.
First of all, we should establish a correct concept of consumption, don't compare with each other, and develop the habit of spending money lavishly. If you really face a shortage of funds and use them in normal fields, you can apply to the school for student loans, subsidies for poor students and other assistance policies.
Improve the awareness of personal privacy protection, never let your personal information be used by others at will, and never spread your personal information through the Internet, including ID number, mobile phone number, personal photo, personal home address, bank card information, etc. We must form a good habit of thrift, especially for college students with poor families, who can work and study through summer vacation or peacetime. Learn how to manage money, form a good habit of keeping accounts at hand, strive to increase revenue and reduce expenditure, and manage your own money. Don't trust strangers' money temptations.
At present, relevant departments are conducting an inventory of online loans in 1 1, strictly managing the examination and approval authority, re-examining online microfinance business qualifications, equity management, off-balance sheet financing, asset securitization and other financing, and integrating the real interest rate, loan management and collection behavior, loan scope, business cooperation, information security and illegal operation. Strictly examine and approve the qualifications of online microfinance, standardize the operation behavior of online microfinance, and severely crack down on and ban institutions that illegally operate online microfinance.