Legal analysis: naked loan-related behaviors are suspected of constituting the crime of extortion, the crime of infringing citizens' personal information, the crime of spreading obscene articles, the crime of compulsory molestation of women, and the crime of insulting. The specific sentencing should be judged according to the seriousness of the circumstances and the severity of the consequences.

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.