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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.

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China Digital

“Don’t Download This App!” – A Top 10 of Harmful Chinese Apps

This latest top 10 of harmful Chinese apps comes amid a heightened media focus on mobile users and cybersecurity in China.

Jialing Xie

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Thousands of apps are available to China’s mobile users, but not all of them are safe. These apps were marked as harmful by Chinese state media this week.

On September 17, Chinese state media outlet Xinhua News Agency issued a top 10 list of harmful mobile apps. The list, published via various social media outlets, raised discussions online about the security risks of seemingly innocent and fun apps.

The top 10 list comes during China’s 2019 “Clean the Web” (净网) campaign, an ongoing nationwide initiative organized by Chinese authorities to clean China’s digital environment by eradicating pornography and ‘illegal publications’ (扫黄打非).

As the People’s Republic of China will soon celebrate its 70th anniversary, the “Clean the Web 2019” campaign is now in full swing.

According to China’s National Computer Virus Emergency Response Center (NCVERC), the 10 listed ‘harmful apps’ posing hazards related to illegal gambling, stealing personal data, and having in-app downloads without users’ permission.

The full list of harmful mobile apps (and their bugged versions) is as follows.

 

The following first four apps are accused of personal data breaches:

 

1. ‘Happy Eliminating’《开心消消消》(Version 1.1)

The app on the left (开心消消消) is very similar to another popular gaming app called Happy Elements (开心消消乐).

This gaming app (image on the left), is highly similar to another popular gaming app known as Xiaoxiaole or Happy Elements (开心消消乐) (on the right).

 

2. ‘Digule’《嘀咕乐》(Version 1.0.1)

App screenshots from SnapPea.

This app promises to offer free comics and offline downloads. The app presents itself as being “non-ads interference” on the Android Market.

 

3. ‘Mifeng Yx’《蜜蜂优选》(Version 2.4.2)

This app helps users to get discount from popular online shopping sites such as Tmall and Taobao.

 

4. ‘Yangling Travel’《杨凌旅游》

This is a travel app that offers a wealth of information related to self-guided tours, travel tips, and hotel booking services.

 

The following apps have been labeled as ‘harmful’ for containing malware; their plug-ins and bundles drain users’ cellular data by downloading promotional ads and mobile apps in the background without permission:

 

5. ‘Zhijiao YXY’《职教云学院》(Version 1.0.2)

Zhijiao YXY is an online teaching platform for vocational education.

 

6. ‘Fashion Snap’《时尚快拍》(Version 3.6.72)

Fashion Snap is a beauty camera and photo editor tool.

 

7. ‘Watermark Images’《水印修图》(Version 4.0.91)

This is another photo editor tool featuring photo watermark add-ons.

 

These last three apps were linked with gambling activities by Chinese state media, or have security vulnerabilities making users susceptible to financial losses:

 

8. ‘Cute Puppy Go Home’《萌犬回家》(Version 2.0)

This is an app that matches pets with potential adopters.

 

9. Guess-emoji-challenge (Version 1.1)

As its name indicates, this is a mobile gaming app all about emoji guessing.

 

10. Warehouse Manager《仓库管家》(Version 1.0.1)

This is a warehouse management application.

(Note that we found two additional apps with the exact same name on AppAdvice, both are described as warehouse management applications – so for now, it is not clear which one of the three is the one referred to by Xinhua, and how it is associated with gambling.)

 

In addition to warning Chinese mobile users about the aforementioned versions of the 10 apps, Chinese media also spread the NCVERS’s advise in recommending netizens to use “real-time monitoring” anti-virus apps to help detect malware carried by illegal and harmful apps. 

In response to the report on the harmful apps, SinaTech News launched a poll on Weibo asking people what unwanted side functions mobile apps they dreaded the most.

At the time of writing, a majority (48.7%) of the 77,000 people participating in the poll indicated that “collecting user data without permission” is one of the things they loathe the most.

With China’s Cybersecurity Week kicking off earlier this month, there’s recently been an increased (social) media focus on cybersecurity in China.

This week, Chinese cybersecurity experts warned social media users not to post photos of themselves doing a V-sign gesture, since criminals could possibly abuse their fingerprint data.

The Chinese app Zao also sparked major privacy concerns in China earlier this month. The app, that was released on August 30, allows users to play with face-swapping and “deepfake” effects. There were soon concerns about the app’s questionable privacy policy, which stated it had “free, irrevocable, permanent, transferable, and relicenseable” rights to all user-generated content (also see The Guardian).

By now, the hashtag ‘Ten Lawbreaking & Harmful Apps” (#十款违法有害App#) has received over 130 million views on Weibo.

“This is a time for all of us to be concerned,” one Weibo blogger writes, with others agreeing: “I think all apps are collecting our data nowadays.”

But not all people seem to be so worried: “Weibo, WeChat, and Baidu – I’d say those apps are really harmful! They are harmful because they make me waste so many hours of my day.”

Read more about Chinese apps here.

By Jialing Xie

Spotted a mistake or want to add something? Please let us know in comments below or email us.

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

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Cybersecurity Experts Warn: Flicking the V-Sign in Photos Could Give Away Your Fingerprint Data

V-sign selfie pictures could disclose personal information about your fingerprints, security experts warn.

Manya Koetse

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Our cameras are getting better, but that’s not always a good thing. Chinese internet security experts warn that peace sign photos could potentially be abused to collect fingerprint data.

The 2019 China Cybersecurity Week was held in Shanghai this week, and made it to the top trending topics on Sina Weibo today.

The topic attracting the attention of millions of Chinese web users is not China’s cybersecurity in general, but one that was discussed during the event, namely the potential privacy risks in making a V-sign on photos.

Chinese internet security experts at the conference warned that people are unaware that they could be giving away personal data information about their fingerprints when sharing photos of themselves making a peace sign.

If the side of the fingertips is facing the camera, and if there is not a lot of space in between the camera and the hand, it would potentially be possible to gather fingerprint data using photo enlargement tools and AI techniques.

Photo by Priscilla Du Preez.

The deputy director of the Shanghai Information Security Industry Association stated that photos displaying a fingertop-facing V-sign taken within 1,5 meter of the camera could potentially disclose 100% of one’s fingerprint information, China Press reports.

A booth at the conference giving information about fingerprint information leaking through V-sign photos. Photo via China Press.

Criminals could reconstruct fingerprint patterns of other people and abuse them in various means – basically wherever fingerprint information is used to confirm people’s identities (e.g. biometric door locks or fingerprint payment scanning).

Besides not disclosing fingerprint information in photos posted online, experts also warn people not to leave fingerprint information at machines without confirming their purpose and legality.

Fingerprint scanning is used for a multitude of purposes in China. Foreigners who arrived in China since 2017 will also be familiar with the policy of collecting foreign passport holders’ fingerprints upon their arrival in the PRC.

On Chinese social media, the topic “Making a V-Sign Could Leak Your Fingerprint Data” is one of the biggest being discussed today. On Weibo, the hashtag has gathered 200 million views at time of writing (#拍照比剪刀手会泄露指纹信息#).

Some commenters advise people on social media to make peace signs with the nail side of the fingers facing the camera. (That gesture, however, is deemed an offensive gesture in some nations.)

The V-sign is often used as a rather non-symbolic or cute gesture across in East Asia.

Although in many Western countries, the symbol is mostly known as the victory sign (“V for Victory”) as used during World War II, it entered mainstream popular culture in Japan since the 1960s and spread to other Asian countries from there.

This Time article explains how the gesture appeared in Japanese manga in the late 1960s, one of them titled V is the Sign (Sain wa ‘V’ / サインはV).

Amid the concerned Weibo users, some are not worried: “It’s ok,” one commenter writes: “Using a Beauty App smoothes out my skin anyway.”

There are also many commenters who are confused about the news, wondering what advanced photo camera quality and AI technique might implicate for future privacy risks concerning face recognition data and iris scanning software (“Should we also close our eyes?”).

Others offer a different solution to the unexpected V-sign issue: “Just flip the middle finger instead.”

By Manya Koetse

The images used in the featured image on this page come from 追星娱乐说.

Spotted a mistake or want to add something? Please let us know in comments below or email us. Please note that your comment below will need to be manually approved if you’re a first-time poster here.

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

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