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裸条借贷调查:怕跑单抵押照片升级为裸视频

2016-12-02 20:36:08   北京时间

“你也是她债主?”这是小茹校友跟“北京时间”说的第一句话,在“北京时间”说明身份后,她说自己跟小茹不是朋友也非同学,只不过一年前吃饭的时候见过一次。

小茹的校友说,“突然有一阵,校友群里找她的人特别多。”她是从这些人的口中知道了小茹借钱的事。

另一位曾借过小茹1000元钱的同学称,她也联系不上小茹还钱,“我以为她只向我借了钱,她到底买了什么东西,要那么多钱?”。

刘超(化名)曾在催债公司工作,据他介绍,在学生业务中,学生多因买iPhone进行小额贷款,学生多为95后,“这些学生往往没有还款能力,家里也不会给还”。在刘超的工作中,尽管催债公司不停的给学生施加压力,但几乎没有全额还款的学生。

裸图都不行必须拍视频

从今年5月开始,就不断有媒体曝光了大学生“裸条”借贷现象。据媒体报道,借贷、社交平台也纷纷对此进行了打击。不过,“北京时间”发现,“裸贷”现象依然疯狂,抵押照片已经升级为“裸视频”。

在网上任意搜索“贷款”、“大学生贷款”等关键字,会出现大量的聊天群,但搜索“裸贷”,显示“没有找到符合查找条件的聊天群”,但只要稍加变通,把“裸”换成“果”字,就会出现大学生裸贷的群。

在“大学生贷款”群中,“北京时间”注意到了一位“裸贷”放款人王华(化名)。其在群内发消息:“女学生裸持放贷,无前期任何费用,额度3000-10000;结款周期一个月,利息20%,当天下款;颜值高女大学生无视黑户(除裸持资料被公布),负债低于3万,可做复活过桥,还款周期长,结款周期一个月,利息20%,当天下款”。

此前媒体曝光的“裸条”借贷中,借款的女孩上传的照片均是全身赤裸,手持身份证。但王华告诉“北京时间”(微信号:btime007),光有这样的照片是不行的。还要“拍自慰视频进行抵押”,自慰视频需要长达三分钟。所有的拍摄资料都需要进行审核,而审核的人员也是他本人。

在网友发布的截图中,“北京时间”注意到,所谓审核,大多是查看女孩拍摄的视频是否暴露了隐私器官,如果有遮挡则可能不予通过。王华称,目前,“裸条”借贷中,跑单的人很多,因此才想出视频抵押的方法。

在“裸贷”交易中,如果借款人无力偿还,放贷方就将其裸照拿到网上曝光。而现在,王华表示,如果在规定时间内无法还款,就需要“肉偿”,“我们公司有全套的还钱机制”。

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