Legal analysis: naked loans are illegal. Naked strip (naked loan) means that when borrowing money, the borrower holds a naked photo of his ID card instead of an iou. "Naked loan" is worthy of attention —— Female college students use nude loans. In the event of default, the lender threatened to expose nude photos and contact the borrower's parents, forcing the borrower to repay. According to the relevant laws and regulations, whoever disseminates obscene books, periodicals, films, audio-visual, pictures or other obscene articles, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or public surveillance.

Legal basis: Article 364 of the Criminal Law of People's Republic of China (PRC) disseminates obscene books, periodicals, movies, audio-visual, pictures or other obscene articles. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or public surveillance. Whoever organizes the broadcast of obscene movies, videos and other audio-visual 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 fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined. Whoever makes or copies obscene movies, videos and other audio-visual products for broadcasting shall be given a heavier punishment in accordance with the provisions of the second paragraph. Whoever disseminates obscene articles to minors under the age of 18 shall be given a heavier punishment.