1. What laws will be violated by naked lending?

1. What laws will be violated by naked lending, depending on the situation:

(1) Without citizen’s permission , disclosing a citizen's name, portrait, address and telephone number, or disclosing a citizen's personal information or making it public or expanding the scope of disclosure, is an invasion of privacy. Therefore, sending nude photos to coerce borrowers to repay is suspected of infringing privacy rights;

(2) If a lender defaults on repayment, the lender will disclose nude photos and contact the borrower’s parents. The method is used as a threat to force the borrower to repay, which may be suspected of crime.

2. Legal basis: Article 364 of the "Criminal Law of the People's Republic of China"

The crime of disseminating obscene materials disseminates obscene books, periodicals, videos, audio-visuals, and pictures or other obscene materials, if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or public surveillance.

The crime of organizing the broadcast of obscene audio and video products. Whoever organizes the broadcast of obscene movies, videos and other audio and video products shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined; if the circumstances are serious, he shall be sentenced to not less than three years and ten years. The following shall be punishable by fixed-term imprisonment and a fine.

Whoever produces or copies obscene movies, videos and other audio-visual products for broadcast shall be severely punished in accordance with the provisions of paragraph 2.

Those who disseminate obscene materials to minors under the age of 18 shall be severely punished.

2. What are the conditions required for a loan?

The conditions required for a loan are as follows:

1. The party concerned is a person with full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The request for the loan is reasonable;

4. The willingness and ability to repay;

5. The credit status is good and there are no major bad credit records.