Author: Euler, paper source: a financial, thematic map from: Vision China
Three years ago, a 10G nude photo package that was madly transmitted online made the topic of “naked loan” surface.
Female college students, nudes, loans, these words stimulate everyone’s eyes.
After that, everyone thought that bare loans had disappeared.
A financial investigation found that bare loans began to re-emerge and even formed a brand new industry chain.
Someone set a trap to seduce female college students at the same level. Once the other party provides nude photos, it is difficult to get out.
If you don’t have money, these girls will be tempted to take large-scale photos, or go live on porn platforms, or even go to nightclubs to sleep.
Youth and the flesh, it became a commodity that was waiting for the price. Once they fall into the mud, it’s hard to look back…
01 Naked Loan “Rebirth”
“Naked loans have recently become hot.” Chen Qiming, who has been engaged in underground lending business for a long time, found many friends around him and returned to naked loans.
A financial discovery has found that bare loans have indeed begun to appear in major borrowing groups.
“Only do girls, no upfront, no guarantee, the minimum can borrow 10,000, up to 100,000.” The lenders advertised in the QQ group, and every few minutes, re-send the news, “Students can handle If you are not married, you can do it.”
Messages posted by lenders in the QQ group
In addition to going to the old brothers to collect users, they even started to set up a group dedicated to lending to college students for “corporate operation.”
For example, in a lending QQ group called “borrowing 10 money”, the announcement states that “borrowing is only for girls, students are under the bag”.
Announcement of “borrowing 10 money”
Group data shows that the company behind the group owner is Lengyan Advertising Media Co., Ltd. (hereinafter referred to as Lengyan). The group owner’s avatar is the logo of the company.
Check the display, the company’s full name is “Harbin Cold Yan Advertising Media Co., Ltd.”, the legal representative is Jiang Xuesong.
From borrowing to introducing work… In this group, they provide a one-stop service for lending.
Who is re-operating naked?
Chen Qiming discovered that some of them are super-loan dealers who play with borrowings.
This group of people has long been accustomed to violent harvesting, and this group of girls will not be merciful.
“Because the underground super-lending market is shrinking, many people can’t borrow money, so this extreme way of borrowing has a market,” Chen Qiming said.
It is particularly noteworthy that among the naked-loan players, there is also a brand new participant, which is the pornographic live platform.
People on this platform are entering the field, in fact, to find porn anchors…
In order to let female college students fall into the trap, they drew a lot of bait.
“The most critical success of this matter is to let female students provide nude photos.” Chen Qiming said that for this reason, they will continue to seduce each other and let them relax their vigilance.
The bait includes, low interest.
“We only have 10% interest for one month, you borrow 900, and only use 1000 after one month, which is very cheap.” Chen Qiming said that most of the players just started to say that the monthly interest rate is 10% to 30%. between.
If the other party is still not tempted, start giving red envelopes and returning points.
“I said that I am rushing to the performance, this order will give her a 100 yuan red envelope rebate, a loss of trading.” Chen Qiming said.
In the industry, using red envelopes as bait is a very common trick.
Loaners tempted female student loans
“As long as you take the ID card, the photo and the mobile phone number to find me, you can get a red envelope of 50 to 150 yuan. The higher the value, the bigger the red envelope.” One lender said.
However, not all girls can pass the review. “I don’t want to be ugly. I don’t think about it when I am over 26 years old.”
Usually, they will ask the girls to pass a few photos of their life. After the screening, they will be asked to submit personal information such as name, ID number, credit card account number, contact information, address, and all nude photos and videos. , photos of handheld ID cards, etc.
Some lenders will also request a video call for review.
Information for Naked Loans
It is worth noting that in the bare loan rivers and lakes, there are also fraudster groups that lie to nude photos.
The loan interest they usually give is particularly low, and even says they will make a big red envelope, but after getting nude photos, they will blacken each other and then take the nude photos to various porn sites for sale.
They laid down the nets and used them to seduce the female college students step by step into the trap…
02 step into the trap
Once the girls have provided nude photos, the next right to speak is completely controlled by the lender.
“Monthly interest is only 10%? What kind of jokes! How much money to pay depends on our mood.” Chen Qiming said that they usually charge a variety of names.
Service fee, agency fee, material review fee, overdue fee… directly received to let the other party crash.
Can’t afford it? The next one is the most terrible place for this trap.
In the group of “borrowing 10 money”, a person who claims to be a member of Lengyan Media said: “If you don’t have money, you can come to the platform we signed up to be the anchor. The salary is in the form of basic salary + commission.” p>
“But we are a regular live broadcast. If we do well, we can earn tens of thousands a month.” He said his platform is not live porn.
What’s interesting is that this person’s micro-signal is the letter of Jiang Yansong and a few figures.
If the borrower still wants other ways to make money, he will recommend a woman who is known as “Liu San”.
“I just met her, not very familiar, you can ask her what is the job,” he stressed.
Liu San can be more straightforward: “You can make large-scale photos and make pornographic anchors to make money.”
“You can earn 5 yuan for a large-scale photo. You can show your face, but you have to show it.” Liu San said that these photos will be sold to foreign websites and will not be circulated to China.
A sample of large-scale photo shoots provided by Liu Sanjiao
He said that compared to taking photos, sex anchors are not so tired and earn more. “The bigger the scale, the higher the salary, you can choose not to show your face.”
The pornographic anchor map provided by Liu Sanjiao
Liu Sanjiao said that the platform that can go to work is called “Kawaii Live”, and the salary is linked to the user’s reward.
What is the “Kawaii Live”?
Here, most of the anchors use tempting names, such as “soft and easy to push down”Temptation”.
The introduction is even more explicit, such as “stock socks to tear” “husband is not at home, cold”, and so on.
In this, every time you interact with the anchor, you need to pay gold coins, and 1 yuan can charge 5 gold coins.
If you want to video with the anchor, you need 10 to 20 gold coins for 1 minute.
After the video is connected, the exposed anchor will first ask: “Do you want to see me directly undressing, or do you want to see me perform?”
Before the start, the anchor will ask the user to brush the gift, usually starting with a gift of 100 gold coins.
If you want to see more exciting “performances”, you can only continue to refill coins and brush gifts.
For example, the most expensive “Love Castle” 5200 gold coins, at least need to recharge 1,000 yuan.
Kawaii Live Interface
Therefore, Liu San said that as long as he can get away, he can earn thousands or even tens of thousands of yuan every day. “There are a lot of female students who choose to do yellow broadcasting because they are short of money.”
“Of course, there is more direct, that is, go to the venue to accompany the wine, or accompany the sleep.” Liu San said that she has several club resources in her hand. If a girl is willing to sleep, she can earn 2000 each time. To 3,000 yuan.
If the student is qualified, go to the field to do the nightclub, you can also reimburse the toll.
The core routine of theirs is to charge high interest rates in disguise, so that girls don’t pay the money, then pull them into the water and start engaging in pornography.
“When they taste the sweetness, they will volunteer to work here. After a shortcut, they will not want to take the right path again,” Chen Qiming said.
03 Waiting for the price
What kind of female student is it, willing to borrow naked loans?
“I talked with some girls. They said that they usually watched the vibrato and some short videos. The girls in them were so delicate one by one, that is called life.” Chen Qiming felt that in the eyes of these girls, The price to pay for this kind of life is not worth mentioning.
“There was a girl and I said that youth is burning,” he said.
“Most of them did not care much. Some girls didn’t pay much, so they asked for sleep.” Chen Qiming said. Nude and flesh, it seems that they canYouth sold at a random price.
There are still some girls who are reluctant, and Chen Qiming calls them “have not yet crossed the road.”
The road is the last shame of the girl, a fig leaf.
Bareenders will continue to seduce them until they compromise and pass the “way”.
“Once you’re in the past, you’ll find that these girls are starting to become numb, and it doesn’t seem to matter anymore.” Chen Qiming said that heaven and hell seem to be in the first line.
Some girls will refuse to live or sleep when they don’t have money.
“The way she pays back is to pull more people into the quagmire.” Chen Qiming said that they would be asked to become an intermediary and pull the female students around them to borrow.
“Student students are actually the most important mode of getting customers.” Chen Qiming said that in the process, they use the subtle contrast, heart and vanity between the girls.
For example, a poor family student suddenly started to use the new iPhone, put on good-looking clothes, and the girls around him will be stimulated.
“As long as the classmates begin to envy this life, it is a matter of morning and evening to convince the other party.” Chen Qiming said.
In fact, pornographic live broadcast platforms are becoming the main force of bare loans.
“Now there are many pornographic live broadcast platforms in the country, many of which are abroad, and the daily flow is millions.” A law enforcement officer who has cracked a similar case revealed that because of the server and platform operators All of them are abroad, people are very difficult to catch, and a platform is destroyed. The trader changes his name and starts to work.
“These anchors are indeed more profitable. A female anchor hides and sneaks in a house in rural Sichuan. It can earn 100,000 a month.” He even saw a couple live together, “The two interacted and earned More”.
The only thing that is missing from the pornographic live platform is the porn anchor.
“Erotic anchors are very difficult to find.” Chen Qiming said that because pornographic anchors are to be broadcast live in public, if they are caught, the crime will be heavier than secretly selling in the underground.
For the use of the Internet, mobile communication terminals, and voice stations to make, copy, publish, sell, and disseminate obscene electronic information, the state has established separate conviction and sentencing standards, which are more severely penalized than ordinary obscene articles.
In 2016, the female anchor “Sydney Gun” was sentenced to four years in prison for live broadcasts, recording large-scale videos, and profiting from it.
Therefore, some girls would rather be a Miss or Lou Feng than a porn anchor.
But no matter how you choose, the female college students who fall into the trap are all on the same road.
“Every week I found out that there are several new platforms, and I am very active in lending customers.” Chen Qiming said that this complete “porn live broadcast” incubation industry chain has been formed.
For these platforms, loan interest is not the key, capturing the money earned by a porn anchor is far more than the loan.
Now, most of the anchors get 10% to 20% of the share from the platform. For the platform, they are undoubtedly the “walking printing machine”.
“In fact, naked loans have not completely disappeared.” Chen Qiming said that in the loan circle, people have been secretly doing naked loans.
This is because female college students are really a group that is too good to “harvest”.
They just had a yearning for and aspiration for material, and they were not deeply involved, and they were easily tempted.
At this time, they are still too young, and they don’t know the “gift” given by fate. They have already marked the price in the dark…
*Respondents in the article are all pseudonyms.
This article Source: one Finance, author: Euler