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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

Chinese iPhone Users Flooded with Spam through iMessage

Since Apple handed over their iCould operations in China to the Chinese Guizhou-Cloud Big Data company, iPhone users are bombarded with trash ads in iMessage.

Ryan Gandolfo

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Intrusive advertisements, ranging from gambling promotions to non-solicited pornography, are flooding Chinese iPhones. Many users have had enough of them, and are looking for solutions.

The problem of spam ads is a universal one, but for iPhone users in China, they are especially bombarded with spam through iMessage.

Recently, several Chinese media outlets, including CCTV, have published articles and videos about Apple’s iMessage ‘trash’ messages flooding into Chinese iPhone users’ inbox. These messages contain various kinds of advertising, most of which are illicit.

A common junk ad in iMessage. The sender’s address is an email address with a combination of random numbers and letters. Source: CCTV news

The spam problem has also been a topic of debate on social media this week, where thousands of commenters complain about receiving loads of different ‘trash’ messages, primarily about gambling, purchasing agents, and sexual solicitation.

Even though iPhone users report and delete the messages, new ones keep on flooding in – and there seemingly is no solution for the issue yet.

Chinese media report that there is a rise in companies focusing on spam advertising. They build on massive iMessage user databases to send out ads to specific user groups based on their demographics, gender, age, sex, etc.

Cartoon comparing junk iMessage ads to mosquitos. Source: CCTV news.

The problem of Apple’s illicit spam adds to US-China tensions because of the trade war, with state media accusing Apple for failing to solve the problem.

While Chinese media outlets seem to be pointing fingers at Apple, many Weibo users are blaming the new company responsible for Apple’s iCloud services in mainland China, namely Guizhou-Cloud Big Data (云上贵州公司).

In February of this year, Apple handed over their iCould operations in China to a Chinese company to comply with government policies that require Chinese citizens’ data to be held within the country.

One user comments: “We didn’t have this [problem] before. Only after Guizhou-Cloud took over did it occur. Classic China.”

Another Weibo user wrote: “Wake up everyone! State enterprise Guizhou-Cloud is responsible for iCloud, and is selling user data on the black market. Why would you now blame Apple for this problem???”

For the many iPhone users searching for a quick fix to the annoying spam problem, Weibo account Digital Tail (@数字尾巴) offers a simple solution: “If you only use your message center to receive phone verifications and notifications, then you might as well just turn iMessage off.”

On August 2nd, Cult of Mac reported that Apple is now working with Chinese telecoms firms to find a way to reduce the flood of spam in iMessage.

Some Weibo commenters, however, think there are more important things to deal with first: “Solve the spam ads on Weibo, first,” they write: “They’re more intrusive anyway than those on iPhone.”

By Ryan Gandolfo

This article has been edited and condensed for clarity.

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

©2018 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

Chinese Online News Outlet Q Daily Shut Down

The shutdown of ‘Curious Daily’ aka Q Daily is making people more curious..

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The sudden suspension of news site Q Daily has attracted the attention of Chinese netizens.

As of Friday, August 3rd, the Chinese news outlet Q Daily (好奇心日报) has been shut down. Since the afternoon (Beijing time), visits to www.qdaily.com were redirected to a statement, saying:

“Facing our problems and earnest rectifications –

Q Daily has violated the news information regulations and has damaged the order of online information dissemination. In doing so, we violated the China Internet Security Law, the Administrative Measures for Internet Information Service, the Provisions for the Administration of Internet News Information Services, and other related stipulations. We will strictly implement the requirements of the regulatory authorities. From 15:00 pm on August 3 to 15:00 pm on September 2, we will [therefore] suspend all updates of the Q Daily platform and carry out comprehensive and thorough rectification.”

Shortly after the sudden shutdown, Chinese state media outlet SHINE, previously Shanghai Daily, reported that Q Daily had been shutdown for “illegally reporting and forwarding news,” “without obtaining the required qualifications to run an Internet news service.”

Other Chinese state media outlets, including China.org, also confirmed that the reason for the site’s suspension related to “long-term unauthorized engagement in Internet news information services.”

Q Daily, literally “Curious Daily,” is a privately-held online media site that has been running since April of 2014.

According to the Q Daily profile, the “light and web-native” news site is managed by Executive Editor Xianfeng Yi (伊险峰), who also founded the popular Chinese business magazine CBNweekly magazine.

At time of writing, the Weibo account of Q Daily @好奇心日报 is still online. Its latest released news articles, as posted on its account, mostly relate to foreign business news topics, such as the recent Heineken deal in China or the Starbucks opening in Italy.

The site’s shutdown received quite some attention on Chinese social media today – some threads receiving hundreds of shares and comments. “Socialism with Chinese characteristics is just putting news in a cage,” some commented: “All the news sources I like are being shut down.”

Many wondered about the exact reasons behind the suspension, jokingly saying: “It makes me even more curious..[to know why Curious Daily was suspended].” Others said: “We’re just not supposed to be curious.”

By Manya Koetse, with contribution from Diandian Guo.

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

©2018 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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