Chinese female college students are stuck in a bottomless pit of nude loans. They borrowed 4,000 yuan and still haven’t repaid 100,000 yuan. Naked loans are not that good.

Recently, news of a leak of indecent photos of a female college student "naked loan" has once again made "nude loan" the focus of public attention. A reporter from Modern Express (Weibo) learned from Nanjing Xuanwu Police that they had recently assisted local police in arresting a suspect for extortion in the form of "naked loans." The victim in this case was a female college student. For the initial loan of 4,000 yuan, she had given several nude photos and multiple indecent videos as collateral for the loan for more than half a year. Now, she has paid back 100,000 yuan, but still has not been able to pay off the debt. Eventually, her parents received nude photos of their daughter and called the police. The incident: The father received a collection call and nude photos of his daughter. “If the female student’s father hadn’t received the child’s nude photos and called the police, she wouldn’t have known how long she would have been in trouble.” Wan, deputy captain of the Criminal Police Brigade of Nanjing Xuanwu Public Security Bureau Xiaobo introduced that according to information provided by the local police, in early November this year, the local police received a call from citizen Chen Bing, saying that he had received nude photos of his daughter. Chen Bing told the police that her daughter is a college student and is in her third year of college this year. Just a few days ago, he suddenly received a phone call from a stranger from out of town, saying that his daughter Chen Xue had borrowed money and had not repaid it. Chen Bing immediately asked her daughter what was going on, and her daughter said that she did owe money, and it was a loan shark, and she needed 40,000 yuan to repay the money. At that time, Chen Bing complained to her daughter a few words and then transferred 40,000 yuan to her daughter's card. I thought everything would be fine after I paid back the money, but a few days later, Chen Bing received a reminder message again, this time from a different person. Chen Bing felt that the matter was not that simple, and immediately asked her daughter what was going on again. At this time, Chen Xue told her father that in order to repay the initial loan, she borrowed a lot of money from outside, and all of it was with nude photos and indecent videos as collateral. Chen Bing said that he had heard about "naked loans" in the news, but he never expected that his daughter would be involved. Soon, the collection calls came one after another. Some people even directly told Chen Bing that they had nude photos of Chen Xue in their hands. Chen Bing was very angry and scolded the other party severely, but the next day, he received nude photos of his daughter on his mobile phone. Chen Bing knew that this matter was no longer something he could handle, so he quickly called the police. Revealing the Secret of Naked Loans: Borrowing 4,000 yuan and repaying 100,000 yuan was not enough. After receiving the call, the local police immediately found Chen Xue to investigate the incident. Facing the police, Chen Xue was already exhausted mentally and physically. It turned out that because she owed money, not only her family received her nude photos, but some of her classmates also received them. So how much money did Chen Xue borrow? Chen Xue told the police that at the beginning of this year, she borrowed 4,000 yuan. But because she couldn't repay the money, she started to borrow money from loan sharks to pay for the debt. These loan sharks were worried that she would not be able to pay back the money, so they asked her to use nude photos and indecent videos as collateral. Chen Xue told the police that she had borrowed money from several people and sent out several nude photos and indecent videos, which she could no longer remember clearly. The amount of money paid back has already reached 100,000, but the debt has still not been paid off. "The police officers handling the case were very surprised by what Chen Xue reported. They didn't know how she got deeper and deeper into the 'naked loan'." Wan Xiaobo said, as Chen Xue told the whole story in detail, about Various secret details of "naked loans" gradually emerged. The business failed and he borrowed high-interest loans to fill the hole. At the beginning of this year, Chen Xue bought a laptop through installment plans. Later, after some market research, she decided to start her own business and sell toiletries through WeChat. But doing business requires capital. She didn’t want to ask for money from her family and decided to be self-reliant. So she borrowed 4,000 yuan from an installment payment platform she found online and purchased a batch of toiletries. However, doing business is not as simple as Chen Xue thought. Since the toiletries couldn't be sold, her monthly loan repayments were gone. In July this year, the 4,000 yuan loan expired. In order to repay the money, the only way Chen Xue thought of was to borrow more money. "This way, once you sell your toiletries, you will have money to repay the loan." said the policeman handling the case. Through the introduction of netizens, Chen Xue met netizen Zhou Jun on a loan platform. The other party said that he could lend Chen Xue 4,000 yuan, but he would have to return 5,000 yuan after a week. At this time, Chen Xue was already ill and sought medical treatment, so she immediately agreed. But she didn't expect that her move would cause endless trouble. "She was forced to mortgage the indecent video when she couldn't pay back the money." Chen Xue told the police that when she borrowed money from Zhou Jun, she provided her identity information, student status information, and the service password of her mobile phone number according to the other party's request. Zhou Jun said that this was to obtain Chen Xue's call records. If she did not pay back the money, Zhou Jun could harass Chen Xue's family and friends. A week passed quickly, and Chen Xue's toiletries were still not sold. How could she have the money to pay off the debt? But Zhou Jun's collection call had already been made, saying that if Chen Xue didn't pay back the money, he would tell her parents. Chen Xue doesn't want her parents to know about her borrowing money. She begged Zhou Jun, saying that she really couldn't afford the money. At this time, Zhou Jun said that there was a way to postpone the repayment, which was to ask Chen Xue to provide him with an indecent video. Faced with this request, Chen Xue, who was desperate, finally agreed. At Zhou Jun's request, she recorded a three-minute indecent video and sent it to Zhou Jun. Zhou Jun extended the repayment period by 4 weeks. However, the due repayment amount is no longer 5,000 yuan, but 12,000 yuan. The interest rate is getting higher and higher, and the creditor recommends "tear down the east wall to pay for the west wall". One month passed quickly, and when the repayment day came, Chen Xue still had no money. At this time, Zhou Jun recommended two online loan platforms and asked Chen Xue to "tear down the east wall to make up for the west wall." According to Chen Xue, she borrowed 7,000 yuan from these two lending platforms and returned all of it to Zhou Jun. Zhou Jun kept asking for the remaining 5,000 yuan, saying that if he didn't pay back the money, he would send another indecent video. When Chen Xue didn't agree, the other party threatened to send the last indecent video to Chen Xue's family and classmates if she didn't send it. In order to force Chen Xue to submit, Zhou Jun also said that if he delayed releasing the indecent video, he would be fined 200 yuan per minute. Just like that, 10 minutes later, Chen Xue's debt had become 7,000 yuan. In desperation, she had no choice but to record an indecent video again. After getting hold of Chen Xue, Zhou Jun went even further. He asked Chen Xue to pay back 2,000 yuan in interest every week until the 7,000 yuan was paid off with interest. Since then, Chen Xue has been completely controlled by Zhou Jun. In order to repay the money, she had to borrow money through other channels, many of which were through pledging her nude photos and indecent videos. Before the incident, Chen Xue had already made "naked loans" through many people, and she was not even sure how much money she had to repay. Police Action A suspect was arrested in Nanjing. According to the situation reported by Chen Xue, the local police quickly identified multiple suspects, one of whom was Wang Qiang who was in Nanjing. "Wang Qiang and Zhou Jun work together. Wang Qiang provides funds, and Zhou Jun is responsible for finding someone to borrow money." Wan Xiaobo told reporters that the money Chen Xue borrowed from Zhou Jun was provided by Wang Qiang, and the interest received by Wang Qiang Then it will be divided into 64 and 64 with Zhou Jun. With the assistance of Xuanwu police, Wang Qiang was captured by the police at his workplace at the end of November. The police found that Wang Qiang had a legitimate occupation and a good income. Regarding the use of "naked loans" to borrow money online, Wang Qiang confessed that he knew the details. It turns out that Wang Qiang originally just lent money through an online lending platform to earn some interest to support his family. But after meeting Zhou Jun, everything changed. In order to obtain high interest rates, he cooperated with Zhou Jun to lend money. He told Zhou Jun that the interest rate was so high, what if he couldn't get the money back? Zhou Junze said that he had "handles" about these female college students, namely nude photos and indecent videos. At present, Wang Qiang has been transferred by the Xuanwu police to the police in Chen Xue’s hometown for handling on suspicion of extortion. The case is still under further investigation. The police reminded that "naked loans" have become an industry chain, and college students need to be vigilant. Recently, news about "naked loans" has frequently appeared in the newspapers, and the group of victims behind it is very large. Nanjing Xuanwu police said that the creditor's use of nude photos and indecent videos to force repayment has been suspected of extortion. Judging from the current situation, "naked loans" are becoming a gray industry chain, dragging more victims into the quagmire. Wan Xiaobo said that from Chen Xue's case, it can be found that after Chen Xue contacted Zhou Jun, it was Zhou Jun who recommended other borrowers to get acquainted with her, and then asked them to "remove the east wall to make up for the west wall." "This move actually makes Chen Xue sink deeper and deeper, making it easier to be manipulated by criminals." Wan Xiaobo said that judging from the "naked loan" cases disclosed online, some of the female college students who were victimized even turned to prostitution to make money. the point. “In fact, link after link, everything is a trap woven by criminals. Borrowers fall deeper and deeper into the trap, while criminals make illegal profits through layers of links.”