Note: naked loans are illegal!
Lawyers' views on naked loans;
Some borrowers who have no repayment ability take risks to borrow usury from lending gangs in order to obtain loans. Lending gangs privately negotiate lending rates with borrowers, asking borrowers to "take nude photos" and use some internet finance and social tools as platforms and excuses to complete illegal usury lending. Afterwards, the parties overdue in the case of knowing the consequences, causing the creditors to put pressure on them with nude photos. This kind of behavior is extremely irrational and irresponsible to oneself. The transactions of usury gangs are nominally conducted on the Internet platform. In fact, it is a personal agreement, and private transactions are often subject to private agreements and bypass supervision.
Yi Shenghua, director of the criminal department of Beijing Yingke Law Firm, said that sellers, resellers and disseminators of nude photos belong to the dissemination of obscene articles. "Judging whether it constitutes a crime depends on the number of obscene articles they spread and the number of profits they make. For example, when obscene videos and photos are posted online, it depends on the click-through rate and reading volume. If obscene articles are sold, it depends on the number of obscene articles sold and the amount of money obtained. "
Yi Shenghua said that legally speaking, these women who pass their nude photos to others are themselves spreading obscene articles, and their actions also constitute illegal. If they find that others are using their nude photos for profit, they can report the case to the public security organ, or they can negotiate with each other to inform them that their behavior is illegal and ask them to stop spreading.
Yi Shenghua explained, "Naked photos themselves are not items, so they cannot be used as collateral. Even as collateral, this mortgage behavior is invalid because it is illegal. "