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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.

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

Uh Oh, IP: Chinese Social Media Platforms Now Display Users’ Geolocation

From Weibo to Zhihu, Chinese social media platforms now display netizens’ geolocation to ensure a ‘healthy online environment.’

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Over the past few days, Chinese social media platforms have started to introduce a new function that displays the IP location of online commenters.

Weibo was the first platform to introduce the function on Thursday – the topic also became top trending on April 28 – and social media platforms Douyin, Toutiao, Xiaohongshu and others followed later. Zhihu announced the measure on April 30 (#知乎宣布全面上线显示用户IP属地#).

Weibo has experimented with the function since March 22 of this year before completely rolling it out on April 28. Whenever users post a reply or comment to a thread, their Internet Protocol (IP) address location will be displayed underneath their comment, right next to the post date and time information. The location will also be displayed on the personal account page of Weibo users.

According to Sina Weibo, the function was introduced to ensure a “healthy and orderly discussion atmosphere” on the platform and to reduce the spread of fake news and invidious rumors by people pretending to be part of an issue or city that they are actually not part of. To keep online discussions “authentic and transparent,” social media users’ specific region, city, province, or country will show up below their names. The function can not be turned off by users.

‘Refuting rumors’ is a priority for Weibo management and has only become more relevant during the Covid-19 pandemic outbreak in China and the recent Shanghai outbreak.

On Saturday, the hashtag “What Does It Mean That Platforms Are Unrolling the IP Function?” (#平台开放IP属地功能意味着什么#) was trending on Weibo, attracting over 170 million views.

The new measure has attracted mixed reactions on Chinese social media, where some users think it is useful that you can now discern users located abroad from those who are based in China, making it easier to draw conclusions on what is really going on in society (you can now spot trends that are particularly taking place within one region) and what is merely taking place in cyberspace.

But there are many users who think the new function is just another layer of control and does not really help to combat fake news or malicious rumors, since the IP location could actually still be changed.

Although the entire idea of displaying the IP location is to minimize the gap between cyberspace and reality based on one’s location, the location is merely the geographic location of the internet from the connected device and does not always correspond with the actual location of the social media user.

Once a person is connected to a Virtual Private Network (VPN), for example, internet traffic is sent through a server in another location, and the IP address will be replaced by the IP address of the VPN server in a different location from people’s actual address.

Some Weibo account are also not run by the persons themselves but by a social media or marketing company.

In this way, Bill Gates unexpectedly turned out to be located in Henan province, and Lionel Messi’s location showed up as Shanghai.

Others think that the new rule will only lead to more online polarization and self-censorship: “Who made this unsettling decision?! From now on, Chinese nationals who are studying or living abroad will be extra extra careful in what they write, otherwise, they’ll be labeled as ‘foreign forces.'”

Some people joked about the new function revealing their location, writing: “It made me so embarrassed. I’m pretending to be studying in the UK, while I’m actually in the mountains feeding the pigs.” Others were also surprised that their IP location was completely different from the place where they are actually living: “Weibo, what are you doing? I’ve never even been to Jilin,” one commenter wrote.

According to an online poll held by Fengmian News, 56% of the participants (nearly 300,000 at time of writing) said they supported the new function. 21% did not like the function, 17% said they did not care, and 6% were just curious to see their own IP location and if it matches their actual location.

“I’m gonna go and delete my more extreme comments,” one person wrote: “I don’t wanna give my hometown a bad reputation.”

Global Times commentator Hu Xijin (胡锡进) also gave his views on the new measure, saying that people’s viewpoints and values will always be more important than where they come from, and that all friends of China matter, no matter where they are based. However, he argued, it is also good to know where those who openly express anti-Chinese sentiments come from, exposing those ‘evil foreign force’ who are trying to disrupt social cohesion within the country.

Noteworthy enough, Hu Xijin’s own IP location was not displayed on his Weibo account, as some celebrities seem to have been excluded from this measure or can decide themselves whether or not they would like to display their IP location or not.

One Weibo user wrote: “Twitter can follow its own regulations in banning Trump, while Weibo can transcend its own regulations and not show Hu Xijin’s IP location.”

For recent articles Covid-19 topics on Chinese social media, check here.

By Manya Koetse

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©2022 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com.

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China and Covid19

‘Voices of April’: The Day After

“The best way to make videos go viral is by censoring them.”

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On April 23, a day after the video ‘Voices of April’ briefly took over social media before it was censored, the trending topic of the day is a hashtag related to new Covid cases reported in Shanghai.

Shanghai reported higher Covid-19 cases and deaths on Friday than the five days prior, which showed a daily decline in new cases. Shanghai reported a total of 23,370 new cases (including 20,634 asymptomatic ones), the municipal health commission said Saturday. A related hashtag by Xinhua News received over 910 million views on Weibo on Saturday (#上海新增本土确诊2736例无症状20634例#).

Although the hashtag was initiated by state media to inform about the Shanghai Covid situation, netizens started using it to criticize Shanghai’s handling of the crisis, with more commenters questioning China’s zero-Covid strategy. Similarly, other state media-initiated hashtag places also became online spaces where Weibo users vented their frustrations earlier this month.

Besides the ongoing online criticism and vocal disagreement with China’s Covid handling and policies, there are also many who express shock at the recent crackdown of any form of protest or criticism regarding the situation in Shanghai.

“‘Voices of April’ has been shutdown all over the internet, I’m simply dumbfounded,” one person said about the popular video that contained real recordings of events that happened during the city’s lockdown.

“If you still can find the video anywhere, forward it,” another person writes.

Besides Voices of April (四月之声), there have also been other videos over the past week that are meant to expose the mishandling of the Covid situation in Shanghai.

One of them is titled Farewell, Language (再见语言), another one is Shanghai Late Spring (上海晚春).

Farewell, Language (再见语言) is a 42-second sound art video by artist Yang Xiao (杨潇), who used over 600 commonly used propaganda phrases from Chinese official channels and randomly broadcasted the audio in the community where he lives.

The anti-epidemic workers just continue their work and do not seem to notice anything out of the ordinary at all. The video shows how this kind of language has been so normalized that for most, it has just become background noise in their everyday life – without even noticing nor critically assessing its meaning or logic anymore.

The Shanghai Late Spring (上海晚春) video is a compilation of video footage from the Shanghai lockdown, showing people struggling to get food, violent altercations between anti-epidemic workers and residents, people living in deplorable conditions in quarantine centers, and more (link to video).

The video uses the song Cheer Up London by Slaves, its chorus being:

You’re dead, already, dead, dead, already-ready
Dead, already, dead, dead, already-ready
Dead, already, dead, dead, already-ready
Dead, already, dead
.”

One Weibo commenter responded to the video in English, using a text from Les Misérables: “Do you hear the people sing / Singing the song of angry men / It is the music of a people / Who will not be slaves again!” The phrase “do you hear the people sing” was also used by other social media users to address the situation in Shanghai and the censorship of related topics.

“The best way to make videos go viral is by censoring them,” one commenter replied.

Read our previous article about ‘Voices of April’ here.

For more articles on the Covid-19 topics on Chinese social media, check here.

By Manya Koetse, with contributions by Miranda Barnes

Get the story behind the hashtag. Subscribe to What’s on Weibo here to receive our weekly newsletter and get access to our latest articles:

Spotted a mistake or want to add something? Please let us know in comments below or email us. First-time commenters, please be patient – we will have to manually approve your comment before it appears.

©2022 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com.

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