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Nude Pics for a ‘Naked Loan’: Controversial Online Loaning in China

A recent leak has exposed a raunchy Chinese e-commerce scandal in which women get personal online loans through nude pictures and videos. According to some netizens, the ‘Naked Loan’ phenomenon is a sign of the consumerism of China’s younger generation.

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A recent leak has exposed a raunchy Chinese e-commerce scandal in which women get personal online loans through nude pictures and videos. According to some netizens, the ‘Naked Loan’ phenomenon is a sign of the consumerism of China’s younger generation.

The so-called ‘Naked Loan’ is a practice of online money borrowing and lending where female loaners are allowed to use their ‘body’ instead of financial records as collateral.

The recent leak in China of at least 10 gigabytes of naked pictures and videos for ‘naked loans’ on Jiedaibao (借贷宝), a Chinese online peer-to-peer lending platform, has made yet another e-commerce scandal after the recent controversies over Alipay.

“Sometimes loaners propose a ‘flesh payback’ for which borrowers will repay their loans with sexual activities.”

The “naked” in “naked loan” (luǒdài 裸贷), is a pun: on the one hand, it means that no proof of capital or material assets is required when taking the loan; on the other hand, the naked female body is taken instead as a guarantee when borrowing money.

To get a naked loan, borrowers take naked selfies in which their ID cards have to be held in front of them. Both the front and back side of the ID card should be clearly readable. The borrowers also have to make a video (in which they also have to be naked), stating their name, the loaner’s name, the amount of the loan and interest, the date of payback, and the promise that in case they are not able to pay back the loan, they will have to “face the consequences.”

In the case of a delayed payback, loaners will threaten to release the borrowers’ naked pictures on the internet, or to expose their conduct to their parents and family. Sometimes loaners also propose a “flesh payback” (肉偿), for which borrowers will repay their loan with sexual activities.

What draws the public’s attention to the “naked loan” phenomenon is the recent leak of 10 gigabytes of documents from Jiedaibao (借贷宝), a Chinese online borrowing and lending platform. The documents concern private information of users, including naked pictures and videos of 161 borrowers. The borrowers are female netizens between the age of 17-23, many of them attending university or college.

Soon after the leak of these documents, Jiedaibao announced on its official Weibo account that they would take legal action to combat ‘naked loan’ practices and that they would set up a one-million ‘anti-naked fund’ to resolve the situation.

“The ‘Naked Loan’ phenomenon reveals the problem of modern youth; that their expanding desire for material wealth is increasingly incompatible with their real life situations.”

The issue also attracted the attention of official media. State media outlets such as People’s Daily (人民网) have called for better supervision over China’s online e-commerce platforms.

On Sina Weibo, netizens are also concerned about young women’s motives to take a naked loan. Many believe that university students are influenced by “consumerism”, that triggers young people to make extra money to purchase expensive cosmetics and accessories.

As one popular Weibo user writes: “The ‘Naked Loan’ [phenomenon] reveals the problem of modern youth; that their expanding desire for material wealth is increasingly incompatible with their real life situations (..) the life of “lower people” is ugly and undesirable; a decent and well-off life has become the norm.”

Another netizen is more apathetic about China’s young “spenders”: “Excessive consumption has become quite common among university students, yet society is neither understanding nor responding to such needs. Under an unsound credit system, young people fall victim to these ‘naked loans’.”

-By Diandian Guo
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©2016 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com.

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Diandian Guo is a China-born Master student of transdisciplinary and global society, politics & culture at the University of Groningen with a special interest for new media in China. She has a BA in International Relations from Beijing Foreign Language University, and is specialized in China's cultural memory.

China Digital

Online Controversy over Mandatory GPS Tracking Smartwatches for Chinese Street Cleaners

Being a street cleaner in 2019 China now involves wearing a mandatory smartwatch with GPS tracking.

Gabi Verberg

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Image via Sina.com

The times of chatting with the neighbors, taking a break, or doing some shopping during work hours are seemingly over for Nanjing’s street cleaners now that their every move is monitored through a special smartwatch. News of the mandatory GPS tracking bracelets for sanitary workers triggered public outcry earlier this month. But it’s not just Nanjing street cleaners that are subjected to this policy.

Earlier this month, the introduction of smartwatches tracking the movements of street cleaners in Nanjing attracted the attention of Chinese netizens and international media after the new policy was made public on April 3rd.

In March of this year, the sanitation department in the Hexi area of Nanjing, Jiangsu, started a pilot with a smartwatch that sanitation workers are obliged to wear. The watch has a built-in real-time GPS tracking system, allowing the Nanjing Hexi Smart Sanitation Center to monitor workers’ movements.

In a short video published by Toutiao News, a spokesperson of the Smart Sanitation Command Center* explained that the smartwatch currently allows the company to assess the workers in three ways: they can register workers’ attendance, collect statistics of workers leaving their designated work area, and report on workers that remain in the same position exceeding the allowed amount of time.

Sanitation workers also commented on their new working system. One person interviewed said: “Why wouldn’t I be allowed to have a half-an-hour break? Look, the street is all clean, there is nothing to be cleaned up. They are crazy for making us move up and down the street for no reason.”

Street cleaners also said that the system would automatically report them if they had been in the same spot for more than twenty minutes. The smartwatch would then subsequently encourage them to move, calling out “Jiayou! Jiayou!” (“Come on! Come on!”).

That particular function was reportedly removed shortly after public outcry on the policy.

On Weibo, the hashtag “Smartwatch Automatically Yells ‘Jiayou'” (#智能手表自动喊加油#) received over 2,5 million views, with the majority of commenters strongly rejecting the new approach.

Most commenters on this issue argued that the implementation of the smartwatch is “immoral” and that the Nanjing workers are “treated as criminals.” Many others also pointed out that the workers, often senior citizens, should be able to rest for more than 20 minutes.

In light of the new policy, many people on social media also referred to the infamous fictional character Zhou “Bapi” (周扒皮). In the novel The Killing Wind, this landlord Zhou would stick his head into the henhouse stirring up the roosters to wake his laborers up earlier, so they would start working.

Some netizens came with an alternative solution, suggesting that the leaders of the company should wear the smartwatches themselves instead.

While the controversial function was eliminated, the GPS tracking function still stands.

Nanjing is not the first city to introduce GPS tracking smartwatches for its sanitary workers. Other cities where the same policy has been introduced are, for example, Chengdu, Hangzhou, Guangzhou, and Qingdao, according to Chinese media outlet Global Times.

In the summer of 2018, various Chinese media outlets already reported about the introduction of smartwatches for street cleaners in Guangzhou. At the time, the smartwatch policy was described as an innovative way to solve staff deployment and management problems, giving team leaders more insights into the real-time position of the street cleaners.

Whether or not the smartwatches do indeed improve work efficiency of street cleaners is still unclear, but there are no indications that the smartwatch policy will be changed at this point.

The tough work conditions of Chinese street cleaners, who work long hours and receive minimal pay, regularly become an issue of debate on Chinese social media. Besides praising the hard work of China’s public cleaners, Chinese netizens often express their sympathy for the bad circumstances under which street sweepers have to work.

By Gabi Verberg

* (南京河西建环”智能环卫”综合调度监控指挥中心 Nanjing Hexi Jianhuan “Intelligent Sanitation” Integrated Dispatching Monitoring Command Center)

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©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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China Digital

Digitalizing China’s Beauty Industry: Introducing Supermakeup’s ‘Beauty Charging Stations’

Are ‘makeup charging stations’ the next trend in China’s beauty industry?

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You’re on the road and need a skin, make-up, or hair fix-up before your next appointment, but have no time for a spa session and would rather avoid dirty toilet rooms? These are the kinds of situations that Beijing’s Supermakeup company has claimed to have found the solution for.

With its ‘beauty charging stations’ in public urban spaces, the Supermakeup company is trying to launch a new kind of beauty industry where women can use their self-service ‘spa booths’ and make-up product stores in the middle of a street or shopping mall.

Access to the booths is provided through the Supermarket app or via its WeChat programme, and payment of products and access is done via WeChat Pay.

The Supermakeup Company (北京超级美科技有限公司) was established in March of 2018 and is headquartered in Beijing.

Will this be the big next trend that will further digitalize China’s beauty industry? We tried it out for you, check out our latest video below.

By Manya Koetse 

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©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com.

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What’s on Weibo provides social, cultural & historical insights into an ever-changing China. What’s on Weibo sheds light on China’s digital media landscape and brings the story behind the hashtag. This independent news site is managed by sinologist Manya Koetse. Contact info@whatsonweibo.com. ©2014-2018

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