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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

6 Things to Know about the iPhone XS Launch in China

Noteworthy facts about the latest iPhone release in the PRC.

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On September 21st, Apple began selling its latest iPhone series to fans and customers across the globe.

The phones released are the iPhone XS, iPhone XS Max and iPhone XR. The iPhone XS Max is the company’s biggest phone yet and boasts features like Face ID 2 for extra security, and up to 512Gb storage. But it is also the company’s most expensive iPhone yet.

Over the past days, topics relating to the latest iPhone are popping up on China’s online hot search lists, with the hashtag “New iPhone Release” (#新iPhone发布#) receiving 1,45 billion views, the hashtag #iPhone XS# receiving 320 million views on Weibo.

Here are six noteworthy facts to know about the iPhone XS in China:

 

1. Its front-facing selfie camera has a ‘Pitu’ effect

 

At time of writing, the phone’s front-facing “selfie” camera (#iPhone XS前置摄像头#), with more than 21 million views, is one of the most-searched topics on Weibo.

The camera is different from the cameras in earlier iPhone models in how it seems to add a filter to people’s skin. Although American media have reported that people complain about the “over-smoothing” of the skin because it makes them look “fake,” the great majority of Weibo commenters, on the contrary, like the function, and say it is welcomed in China.

TV presenter Liu Ye (@懂小姐刘烨) writes on Weibo: “About that pretty face result of the iPhone front-facing camera; now I even dare to post my photos without editing them in Pitu!” Pitu is a popular Chinese picture editing app.

Some netizens comment that the beautifying camera is much less controversial in China than abroad because Chinese people are already used to editing and photoshopping their photos by whitening the skin or making the eyes look bigger.

“This iPhone was actually designed for the female consumers in the Chinese and South Korean market, but accidentally ended up in the US,” one netizen jokingly says.

An older meme posted by commenter Lao Xu (@老徐时评) pokes fun at different smartphone cameras and how they make people look.”Perhaps foreigners like the reality more than we do,” other commenters suggested.

 

2. It’s even more expensive in China

 

The price of the latest iPhone is one of the biggest topics surrounding its launch. Although the phone already is very expensive in the US, its prices in China are even higher. While the iPhone XS 64 GB version is priced at $1099 in the US, the official online Apple store for China lists the same phone for RMB8,699 (±$1,270).

The most expensive model, the iPhone XS Max, costs a staggering RMB12,799 (±$1,860) for the 512Gb version. By comparison, the iPhone X which launched in 2017 cost $1,149 for the most expensive model in the US.

Beijing News points out on Weibo that the RMB12,799 model is 1,5 times the average monthly wage of Beijingers. “If I had the money, I’d buy it,” some people comment.

 

3. People are not going too crazy about its release

 

Although previous years have seen people getting up early and waiting in line for the latest iPhone models, this time, many people shared photos on Weibo of empty queues outside Apple retailers and launch events in China.

Despite the widespread online discussions of the latest iPhone, Chinese media outlet Sina.com reports that there has been more online interest in China in the new Apple Watch than in the iPhone XS.

Previously, the release of the iPhone 7 in 2016 also showed a similar trend, with many people saying they preferred made-in-China phones to the American iPhone.

Responding to the question ‘Why wouldn’t you buy the iPhone XS?”, most netizens mention the phone’s high price: “I’m too poor to buy it.”

 

4. The first person to own the iPhone XS was Mr. Wang from Hangzhou

 

TMall, Apple’s official online retailer in China, ran a promotional campaign to be the first person to own an iPhone XS, using the hashtag “The First iPhoneXS Person” (#iPhoneXS第一人#), which briefly went trending on the day of the launch.

The first person to own Apple’s latest offering turned out to be a certain Mr. Wang from Hangzhou, who bought the phone one minute after it went on sale. The ‘news’ was met with skepticism by netizens. “What’s the point of this story?”, was the most liked comment on Weibo.

 

5. It’s the first-ever iPhone to have dual sim slots (but only in China)

 

The Chinese version of the iPhone XS comes with a tray that can hold 2 sim cards, while the version sold outside of China has only got one sim card slot (allowing the creation of virtual SIMs).

The Chinese government controls and tracks sim cards and requires them to be registered to a user’s ID number, which might have to do with Apple’s decision to add an extra sim slot in the Chinese version. eSIMs allow people to connect to mobile networks without a physical sim card, making it easier, in theory, to create fake or untraceable accounts linked to the number. This could bypass controls on mobile phone networks and has been banned by Beijing.

 

6. The launch sparked controversy for listing Taiwan and HK as separate regions

 

Apple’s iPhone presentation earlier in September caused outrage and online debate in China, when Phil Schiller, the head of marketing, showed a slide where Taiwan and Hong Kong were listed as separate regions or countries from China.

CCTV soon called on the company to change its naming practices, and web users flooded the company’s official Weibo blog with complaints. Apple has not responded to the controversy yet. The official website still lists the two regions separately.

Also read our article on the most popular smartphones in China (2018).

By John Cowley and Manya Koetse

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

Despite China’s ‘Broadcast Ban’ on eSports, Netizens Go Crazy for National Team’s Asian Games Success

Clumsy display of nationalism during China’s glorious esports win goes viral.

Gabi Verberg

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With 1.8 billion views (#电竞亚军会#) on Weibo, the 2018 Asian Games eSports Demonstration Event has been a big topic on Chinese social media. Despite a broadcast-ban, netizens went crazy for the Chinese team, that – somewhat clumsily – waved the Chinese flag in Jakarta.

The 18th edition of the Asian Games held in Jakarta, Indonesia, has come to an end. With 2,3 billion views on Weibo alone (#2018亚军会#), the Asian Games are a hit on Chinese social media.

The Asian Games marked the first time for esports (electronic sports) to be included in a major international comprehensive sports event.

On the 26th of August, the first day of the esports event, the Chinese team won their first gold medal after winning the game Arena of Valor aka AoV (王者荣耀). The second day, they won the silver medal with the game Clash Royale (皇室战争), ending just behind the Indonesian team.

But the most significant success was celebrated on the 29th of August. After a 3-day battle, the Chinese team won their second gold medal for their performance in the game League of Legends (英雄联盟). Their victory came as a surprise to many, since it was the South Korean team that had defeated China twice during the group phase. But this time it was the Chinese team that celebrated a three-to-one victory over the South Koreans.

Despite the national teams’ successes, TV-watching audiences on mainland China were not able to witness these important moments in sport; CCTV5, the state television’s national sports channel, did not broadcast any of the esports events. Much to the annoyance of many netizens, CCTV5 also did not allow any other platform the right to broadcast any esports events.

The reason for CCTV not broadcasting online computer games is because it is banned. In the ‘Notice on the prohibition of broadcasting online computer game programs‘ (关于禁止播出电脑网络游戏类节目的通知) issued by the National Radio and television Administration in 2004, it says that “radio and television broadcasting organizations at all levels shall not open to computer network games, and may not broadcast online computer game programs.”

That same notice also states that “online computer games have adversely affected the healthy growth of minors.”

On CCTV5’s official Weibo account, many netizens called for the broadcasting of the esports games last week, and vented their dissatisfaction towards state media for banning the broadcast.

One Weibo user wrote: “CCTV spends state money to get a monopoly on the broadcasting rights, and then they choose not to broadcast. It is a waste of the state’s money and disrespectful to the people who do want to see esports!” Some posts scolding the CCTV received thousands of likes.

Except for CCTV, Party newspaper People’s Daily (人民日报), also received many negative social media comments after thy published an article on the victory of the national team. In the comment section, readers wrote comments such as: ‘Now you want to congratulate? Weren’t you the one that didn’t want to broadcast live?’ and ‘I’ve been thinking, isn’t it time that CCTV gets its own E-sports channel?’.

Clumsy Display of Nationalism: ‘Handshake with the National Flag’

Despite China’s ‘ban’ on esports, the country’s esports athletes showed much patriotism during the Asian Games.

In an interview with Tencent Sports, one the players of the Chinese team, Jian Zihao (简自豪), who goes by the online-ID ‘Uzi,’ expressed his love and gratitude for China, saying: “It’s the first time the national esports team officially represents the country. We wear the national [sports]uniform from head to toe, with the five-star red flag printed on the left side of our chest and ‘CHINA’ in capitals on our back. […] we live in the same village as the other athletes. I never thought that this would happen to me.’

Jian Zihao

The team also had a noteworthy patriotic moment during the so-called ‘handshake with national flag incident’. After winning their second gold medal, the Chinese team gained much attention online when they somewhat clumsily kept on holding onto their national flag while shaking hands with the silver and bronze medal winners (video link).

After the award ceremony, the hashtag ‘Handshake with the national Flag’ (#举着国籍握手#) became a hot search on Weibo, with more than 27 million views.

The athletes later said that nobody dared to put the flag down, so they held it up while shaking hands. They reportedly said: ‘The national flag is the most sacred thing, we didn’t dare to make any mistakes.’

The moment the esports team shook hands with the other teams while holding the Chinese flag.

A Weibo post publishing about the moment titled the incident ‘Sorry, It’s the first time I won the  Asian Games Championship, [I have] no experience.’ (‘对不起,第一次拿亚运冠军,没经验.’); it was shared over 98 thousand times and liked more than 124 thousand times. Many netizens found it very amusing, calling the athletes ‘clumsy,’ ‘cute’ and ‘adorable.’

Whether the positive image of the athletes will be enough to lift the ban on broadcasting online gaming is not clear. Neither the CCTV nor People’s Daily have yet officially responded to the complaints. But as the next Asian Games are to be held in Hangzhou, China, in 2022, many are hopeful that the ban will be lifted by then. One thing is sure: their team is ready for it.

By Gabi Verberg

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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