Some time ago, when Apple X came out, how many little girls didn't have the money to want it, and their boyfriends went to naked loans if they couldn't afford it. There are comparisons, cosmetics, clothes, bags, all kinds of buy buy to buy.
In addition, in most cases, girls are unbalanced or arrogant, but their families are not so good, or they don't care about their bodies, are sexually open, don't care, or don't understand. When they saw that naked loans could get money, they thought it would be all right soon. However, they didn't know that the pit of naked loans was so deep and fell into a vicious circle.
How many people who really have no money and have difficulties at home will go to naked loans? Vanity and comparison psychology make them step by step. Those lenders have no sympathy for them at all.
To say a few words, college students are not deeply involved in the world and really have no concept of money; It's not the first time they have borrowed money, and they are all trying to pay it back. They won't realize the seriousness of things until something happens. Learn to face up to yourself, but also know how to do what you can. Don't let comparison drive you to the wall. Don't let young people die in the wind.
What is a naked loan?
It is a female college student who takes photos with her ID card as collateral after being asked by the lender to be naked.
Why did you choose naked loan?
College students have no financial resources, but some female college students like to follow the fashion, love face and buy luxury goods to dress themselves up, but they have no money. It is too hard to earn money by working. They are inexperienced, ignorant of the darkness of the world and how to love themselves.
Moreover, products that happen to have naked loans automatically enter the trap of online loans, and the result is deeper and deeper, and finally they are forced to a dead end.
If you can't resist external temptations, you won't have a mature personality. Don't ruin your life for short enjoyment.
Tell me about my time in college. At that time, my mother was ill and all her savings were spent. I went to college on a student loan, and I usually work part-time. I have hardly asked my family for money. Usually scrimp and save, and the monthly living expenses are about 300. I am lucky to be able to eat and wear well at ordinary times. And I have to repay the loan after graduation, so I know that only by studying hard, finding a good job and making money after graduation can I make money to repay the loan and survive.
There are also several students who applied for student loans like me. They usually work and study. They didn't think about those crooked ways to make money, but studied hard, so our academic performance was better. After graduation, we all found good jobs, and the student loan of that year had already been paid off.
In college, we concentrate on our studies and don't try to satisfy our so-called vanity. It doesn't make any sense at all, it can only satisfy the enjoyment for a while, and it can't guarantee the stability of our whole life.
In the university, you should compare your academic performance, and if you get good grades, you will get scholarships. At the same time, you will try to improve your skills, and you will find a good job after graduation, even if you have no money to buy good things.
Poverty cannot be an excuse for our mistakes. We should always adhere to our outlook on life and morality.
Don't enjoy it when you should study, just for a moment's pleasure. This result will delay your life's future.
Please think twice before you act.
Why do female college students choose naked loans?
Say a few words:
Our institute assisted the government in conducting a special loan survey. At that time, we put forward a series of suggestions, two of which were: first, naked loans are typical routine loans; The second is to protect the victims. However, the explanation behind the topic is contradictory to the topic and does not conform to the facts. Harmful to society. First, naked loans are typical routine loans! (1) naked loan, false propaganda. In terms of publicity, those so-called online platform organizations have made dishonest propaganda and false propaganda, telling students that this loan is very convenient and cheap. In this case, because students' financial knowledge is not very rich, they borrowed loans and eventually became usurers and usurers, and some students reached a state of repayment. This phenomenon is caused by bad online lending institutions in society, false propaganda and luring students.
Many "campus loan" platforms look for "Tang monk meat" in schools by looking for "agents", and some fraudsters also vigorously attract credit managers of various loan platforms to become "salesmen" of their companies to defraud college students together.
(2) Naked loans are mainly aimed at female college students. (1) Some female college students need money. Some female students like to compare with others, and they want to use good things that others have used. Seeing others eating delicious food, I want to eat delicious food myself. However, family conditions do not allow, in order to satisfy their vanity, contact with some loans. Especially when you see how easy it is to get money, you get deeper and deeper.
(2) Female college students are easily deceived. Female college students have long residence time, shallow social experience and low defense consciousness. Those lawless elements just took advantage of students' ignorance of the law and their urgent need for money. Female college students have long been deeply involved in it.
(3) Female college students have low risk of borrowing. Female college students are highly educated, beautiful and attractive. With their own nude photos as collateral, they can rest assured that they are not afraid or even hope that they can't afford it, so they will fall into the trap of lenders. In addition, criminals will generally screen, and if they are not beautiful, they will not get money even if they mortgage nude photos.
(4) The opportunity cost of female college students' arrears. Female college students don't have a mortgage, but they want money, so lenders need students to take a nude photo of themselves as collateral. Female college students have interpersonal relationships and are not afraid of not paying back the money. They just caught the psychology that female college students dare not expose nude photos and dare not make any noise. Dragging female college students into the abyss of prostitution step by step.
(3) Only loans are super-profit loans! This kind of naked loan is not only terrible, but also the interest is quite high, which is basically difficult for female college students who have no economic income to repay. (4) naked loans, deliberately setting traps. If female college students have no money to pay back, then they will put forward impure purposes and ask their classmates to come out to sleep with them and pay off their debts with their own bodies. Many female college students are forced to be at their mercy. Some students are strong-willed and unwilling to go to bed with them anyway, and finally choose to jump off a building to end their lives.
(5) Bare loans have almost formed a complete black industrial chain. Lenders grasp the nude photos, home addresses, telephone numbers and address books of female college students, and threaten female college students by exposing nude photos. Forcing female college students to commit the so-called prostitution crime of paying debts with meat and making huge profits from it. A realistic example, how many female college students are driven crazy by naked loans and even commit suicide by jumping off a building.
Second, naked loans are not loans, but crimes! So I suggest:
(1) crack down on naked loans. Intensify the crackdown on illegal and criminal activities of naked loans!
(2) Cultivate a correct school spirit. By integrating the education of consumption concept into colorful campus culture and various theme education, we can correct students' wrong ideas such as ahead consumption, over consumption and conformity consumption, and guide students to establish a civilized, rational and scientific consumption concept through education.
(3) Strengthen financial management education. Strengthen the publicity, education and guidance of bad online loans on campus, and invite professionals such as financial institutions, regulatory agencies and network security departments. Popularize financial and credit knowledge to students in the form of reports, lectures and forums. Enhance students' awareness of risk prevention and self-protection to stay away from bad online loans.
(4) Open the front door of finance. In order to meet the financial consumption needs of students, regular commercial banks are encouraged to provide micro-credit loans for college students. According to his understanding, many banks have started this business, such as China Bank and China Construction Bank. At the same time, the Ministry of Education also requires colleges and universities to do a good job in student education, strengthen students' financial knowledge education, strengthen the warning education of bad campus loans, and guide students not to be deceived.
We should punish criminals and help victims. In summary, the answer should be clear. This is a very realistic thing. Most female students who choose naked loans have a distorted outlook on life. Whether the family is poor or superior, they always live in endless consumption and comparison, and never consider the consequences. When one day bad luck comes, they are helpless and can only be pushed around and engage in illegal transactions.
No matter how fate is arranged, there is always light to guide you in reality. Don't feel inferior, don't be timid, don't compare with others, and be a person who faces the sun directly.
I'm waiting for my daughter-in-law to go to the bathroom. By the way, I want to give you my opinion on this issue.
First of all, I have to admit that I have almost read all the photos and videos of online loans circulating on the Internet.
Judging from videos, photos and ID cards, most of the girls who choose naked loans have poor family conditions, often in counties below the eighth-tier cities.
I said that politics is not correct, and most of these girls are not good-looking, that is, the values spoken by the public are relatively low.
To sum up the above two points, I basically have no money and no color. I live in a small town with eight lines, and my own conditions are very limited, and my contact with the environment and information is limited and not necessarily good.
In my opinion, the reason why these girls choose this way is that they get little economic benefits, largely because they don't get the financial support they deserve. For example, the money you earn or the money your parents can give. Once the desire exceeds the consumption power, it is easy to make people lose their minds.
For example. Probably in the fifth grade of primary school, I once met two friends in the same building. Dig sweet potatoes in a field in the suburbs. Of course, strictly speaking, we did steal someone else's sweet potato.
The final result was blocked by a group of teenagers in this village with wooden sticks, and we lost him ten yuan. I had little pocket money at that time. It seems to be 1990. At that time, ten dollars was still a lot of money for a primary school student.
Of course, if I play it now, I will know that I should take the opportunity to go home and ask adults for help or call the police. But it was blocked by some wooden sticks. I'm really scared!
And my family is very strict with me. If this happens, according to my idea at that time, not only will I not be given money, but I will definitely criticize me severely and even hit me.
The three of us discussed it, and one of the children, a little over one or two years old, went home and took ten dollars and redeemed us all.
Then on the way home, he said to me and another child, give me three yuan each. I was so scared that I didn't know where to get these three dollars.
Later, it took me nearly half a year, and I took three yuan back to him. During that time, I was reluctant to eat an ice cream oppressed by this debt and to drink a bottle of soda. When I meet this little friend on the road, even if he doesn't ask me for money, I will be embarrassed to look down at him. I've been worried about this for seven or eight months.
According to the eyes of adults now, it is completely unnecessary. Just tell your family that even if you are scolded, you can quickly take out these three dollars. I didn't have to worry for such a long time, and depression became a heart disease for me at that time. But I didn't understand at the time.
This should be regarded as a typical example of being oppressed by a small debt for a long time, with no financial resources and no knowledge.
Ok, now let's get back to the point. Why would anyone want to borrow it naked? Because his desire exceeds his demand, he has no proper way to get financial support.
If the money I owed at that time was either three dollars or three hundred dollars. At that time, if someone seduced me and said you were doing something, I would give you 300 yuan. I might actually do it.
Similarly, why do students who are forced by campus loans jump off buildings? They didn't tell their parents frankly about the debt. And seek reasonable support to solve this problem. Tens of thousands of students couldn't solve it, and they rolled more and more, eventually pushing the students off the roof.
For most families, tens of thousands of debts, except the usury part that is not protected by my law, will not force people to death. These children ended their young lives rashly because they didn't communicate well with their families and won support.
Therefore, family support for children is very important.
For example, give him some money to satisfy some reasonable desires; Reach out and pull him out of the mire when he is oppressed by debt.
For example, tell him that his desire and ability should match, tell him to communicate frankly with his family in time when he encounters problems, and tell him that his parents are your strong backing no matter what. Tell him not to be afraid of anything that happens outside. Mom and dad will support you, help you and protect you.
It is very necessary for parents to support their children, whether economically or emotionally, or in terms of experience and social experience.
Most of the girls in the naked loan incident should be children. I think if we communicate well with our parents, express our wishes and choose the right way to meet the right needs under the guidance of our parents. There may not be so many such incidents.
Finally, the relationship between China's parents and children is really awkward.
There is really poverty in society that you can't imagine. They may have walked out of the mountains and forests, and when they saw the traffic for the first time, they couldn't help but be tempted or induced for a while, so they were easy to fall. Few people can keep their hearts. They all blindly seek short-term psychological comfort from the center or the so-called face. Seek a little comfort from self-pity It's pathetic. It's pathetic. I know such people in reality. Generally speaking, it is my own reason. There are three reasons. The first and most important premise is that this girl has a strong vanity. The second is that she loses her mind too easily. The third is that she underestimated the subsequent pressure or overestimated her ability.
The girl I know is in trouble because she wants to buy a mobile phone. At that time, she was a sophomore, with poor family conditions and a younger brother. But how vain is she? I was forced to mix with those rich children. I usually didn't go to the dormitory or the bathroom to take a shower, but I went to the hotel outside the school for an hour just to take a shower.
Later, she felt that her mobile phone was old and wanted an Apple phone very much. What kind of situation is that? The university is no longer strange to her. There may be a small comparison between students, and some students begin to try various extracurricular part-time jobs. But her parents can't support her to buy an Apple phone.
At this time, the temptation was too great to make her lose her mind. At this time, there is an Apple mobile phone with several thousand dollars in the counter, and she can try to play it again and again. And more and more students are using Apple phones. It is difficult for her to restrain her almost fanatical desire. No matter what means, getting him first became her first goal. However, this desire alone is not enough, because you can't make money by clinging to it.
Underestimate the follow-up pressure and overestimate your ability. At this time, the third factor comes into play. Perhaps it is accurate positioning, or it may be wide-cast. In short, someone has found her and is willing to lend her money, but it must be mortgaged. And calculated an account for her. On average, it's only a few dollars a day. It's easy to stand up, just save a Chinese hamburger. Moreover, it seems easy for college students to hand out leaflets, carry plates and tutor.
So she took this step with less heart than action.
The result is tragedy, and her days are getting tighter and tighter. It turned out that she wanted to be on time and almost didn't want to eat. So I started looking for a job. You can't earn dozens of dollars by distributing leaflets for promotion on weekends. She doesn't have the level of tutor or other high-paid skilled workers. So I fell into this trap.
Fortunately, in the end, the girl went ashore with difficulty, and there was no real loss or vanity. As for how I got ashore, I won't talk about it. It has nothing to do with the problem. In short, get rid of your vanity, be rational in the face of temptation, and stay away from these irregular things.
It is really common for female college students to choose naked loans. Very sad, I just want to say that girls should be sober, don't live very cheaply, and do things they regret for consumption that doesn't belong to them.
Still awake? Naked loan is the essence of industrial naked loan, and it is an industry! Can ordinary people cross industries? A whole set of industrial chain, of course, is a planned behavior. First use people's vanity to borrow money, and finally even the interest is not paid. And after that? Have you thought about it?
If you are a student, your economic base is really limited. After choosing the naked loan of mobile phones and big-name bags, do you know that your photos will become a means for them to threaten you all the time? Unless the family helps you pay it back, they have plenty of ways to get you to pay it back.
Now that they have formed an industry, they certainly thought about the consequences of not being able to pay it back. So why do you want to find female college students is also obvious? Youth and beauty are resources.
Universities are precious, and it is very important for ordinary people to learn self-discipline and control their consumption. Universities are precious. If you want it, earn it yourself. There is always time to learn to make money first. Restrain your consumption and don't let yourself live an impossible life.
Really, at an average age, you need to be cautious most. That money, study hard and earn it soon after graduation. When I was studying, I knew exactly what I wanted and would not exceed my own consumption. After graduation, the monthly salary of 20 thousand is enough, but I know how to manage money and know how to exercise restraint.
Because once you choose a naked loan, there will be black spots that are hard to erase, and even self-control will collapse and life will go unknown.
Girls will face more temptations, but smart girls can resist them. A clear mind is a lifetime treasure.
Finally, I hope to live an average age and a flower-like life. Life is long, think about the future.
In fact, the problem of college students' naked loans is often mentioned, because the recent incident of black people's expensive lives has made me pay attention to the foster culture in Kenya and have a new understanding of the phenomenon of naked loans in our country. The first is the question of values, that is, to eat by labor or to get something for nothing. As the saying goes, why work hard when you can eat by your face? This "Mingming" classmate used to be someone else's child. Now look in the mirror and I am Mingming! College students, especially college girls, are the most short of money. They are full of youth when they can spend the most money, and no one wants to study hard in the cold window of the world of flowers and flowers. Because everyone came from high school for three years, it is very important to be free to go to college, but the economy is not free yet. This wave of classmates around me is different. There are mines at home, mines, mines. . . How much! Now the whole society is stimulating loan consumption, and loans must be mortgaged. My girl spends eighteen flowers and can only mortgage her body. As a result, various student loans came into being. Among them, naked loans are among the best.
The adoption culture of Kenyan female college students mentioned earlier, now that it has formed a culture, is certainly very popular. In other words, more than half of female college students are involved. And once this thing becomes a custom, it doesn't need special physical conditions. Beauty, purity and elegance are nothing. There are many rich people and the market is prosperous. On our side, there are many rich people, but there are several orders of magnitude more female college students! So, you can choose big money. Pick the rest, only loans. Take what as collateral, naked loan. . . In fact, consumption stimulus is the root of naked loans. In contrast, it is often said that the wind of comparison is second. Because the comparison is within the scope of ability. The stimulation of consumption, especially the stimulation of online shopping and electronic payment, is just like gambling, which makes people unconsciously addicted to madness. Coupled with people with ulterior motives digging holes and setting traps, it's really hard not to jump in.
Let's talk about what parents and female students should do. How can they not jump in knowing it is a pit? Parents, don't talk nonsense. It's no use talking too much. As we all know, it can only be counterproductive. Try to earn money, as long as you don't take bribes and bend the law, you can earn more if you can. Let the children have some money, and they will not be so easily tempted. In addition, even children who participate in more consumption activities at least play a role of knowing and watching. As for the female college students themselves, I want to say that if you want to lead an honest and clean life, you will definitely be despised. Xiaoji can only say, no matter what you want to do, think about whether you can afford it. A lot of youth, but if you leave, you will never come back. Maybe you can play a big game and follow suit, such as Wendi Deng and milk tea.
My humble opinion is for your consideration! A lot of criticism!