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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

Summer Censorship: Weibo Launches “Project Sky Blue”

No hot summer on Weibo: the social media network announces extra censorship on ‘vulgar content.’

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Earlier this week, the administration of Sina Weibo announced a special summer holiday crackdown on “vulgar content,” including “pornographic novels, erotic anime, pictures or videos.”

In a public announcement that was posted on July 4th, the Weibo administration writes that the primary goal of this campaign is to “create a healthier, more positive environment for underage users” during the summer break period.

The censorship plan is titled “Project Deep Blue” (or: “Project Sky Blue”) (蔚蓝计划), and will use filter systems, human moderators and user reports to censor more content for the upcoming two months.

The project even has its own Weibo account now, where Weibo users can ask questions, report inappropriate content, and get more information on the campaign.

Weibo states it will further expand its team of online content supervisors, and also explicitly encourages netizens to flag ‘inappropriate’ content to make the online community ‘more wholesome.’

The hashtag #ProjectDeepBlue (#蔚蓝计划#) topped the hot search lists on Weibo this week; not necessarily because of the topic’s popularity, but because it was placed there by the social media site’s administration. At time of writing, the hashtag page has attracted more than 180 million views.

Online responses to the summer censorship program are mixed: many commenters voice their support for the latest measure, while others express frustration.

One Weibo user from Hubei calls the latest measure “hypocritical,” arguing that minors surf Weibo just as much during school time as during the summer holiday – suggesting that launching a special censorship program for the summer vacation does not make sense at all.

But many popular comments are in favor of the project, saying: “I support Project Deep Blue, the internet needs to be cleaned up,” and: “China’s young people need to be protected.”

This is not the first time Weibo launches a special intensified censorship program. Throughout the years, it has repeatedly carried out ‘anti-pornography‘ campaigns in cooperation with Chinese cyberspace authorities.

Often, the crusade against ‘vulgar’ content also ends up being used for the purpose of censoring political content rather than to actually eradicate ‘obscenities’ (read more).

By now, it seems that many Weibo users are quite actively using the Project Deep Blue tag to report on other users who are posting violent or vulgar content.

“If you’re not careful, you’re hit with vulgar and obscene content the moment you’re on the internet,” well-known mom blogger Humapanpan (@虎妈潘潘) writes: “Now that the summer holiday is coming, I hope we can join the Project Deep Blue, and clean up the internet environment.  Actively report obscene content the moment you see it – let’s protect our future together.”

By Skylar Xu & Manya Koetse

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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Faking Street Photography: Why Staged “Street Snaps” Are All the Rage in China

Staged street photography is the latest “15 minutes of fame” trend on Chinese social media.

Manya Koetse

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It looks as if they are spontaneously photographed or filmed by one of China’s many street photographers, but it is actually staged. Chinese online influencers – or the companies behind them – are using street photography as part of their social media strategy. And then there are those who are mocking them.

Recently a new trend has popped up on Chinese social media: people posting short videos on their accounts that create the impression that they are being spotted by street fashion photographers. Some look at the camera in a shy way, others turn away, then there are those who smile and cheekily stick out their tongue at the camera.

Although it may appear to be all spontaneous, these people – mostly women – are actually not randomly being caught on camera by one of China’s many street fashion photographers in trendy neighborhoods. They have organized this ‘fashion shoot’ themselves, often showing off their funny poses and special moves, from backward flips to splits, to attract more attention (see example in video embedded below).

In doing so, these self-made models are gaining more fans on their Weibo, Douyin, Xiaohongshu, or WeChat accounts, and are turning their social media apps into their very own stage.

 

Street Photography in Sanlitun

 

The real street photography trend has been ongoing in China for years, near trendy areas such as Hangzhou’s Yintai shopping mall, or Chengdu’s Taikoo Li.

One place that is especially known for its many street photographers is Beijing’s see-and-be-seen Sanlitun area, where photographers have since long been gathering around the Apple or Uniqlo stores with their big lens cameras to capture people walking by and their trendy fashion.

A few years ago, Thatsmag featured an article discussing this phenomenon, asking: “Who are these guys and what are they doing with their photos?”

Author Dominique Wong found that many of these people are older men, amateur photographers, who are simply snapping photos of attractive, fashionable, and unique-looking people as their hobby.

But there are also those who are working for street fashion blogs or style magazines such as P1, and are actually making money with their street snaps capturing China’s latest fashion trends.

Image by 新浪博客

People featured in these street snaps can sometimes go viral and become internet celebrities (网红). One of China’s most famous examples of a street photographed internet celebrity is “Brother Sharp.”

‘Brother Sharp’ became an online hit in 2009 (image via Chinasmack).

It’s been ten years since “Brother Sharp” (犀利哥), a homeless man from Ningbo, became an online hit in China for his fashionable and handsome appearance, after his street snap went trending on the Chinese internet.

 

Staged Street Scenes

 

But what if nobody’s snapping your pics and you want to go viral with your “Oh, I am being spotted by street fashion photographers” video? By setting up their own “street snap” shoots, online influencers take matters into their own hands.

It is not just individuals who are setting up these shoots; there are also companies and brands that do so in order to make their (fashion) products more famous. According to People’s Daily, in Hangzhou alone, there are over 200 photographers for such “street snaps” and hundreds of thousands of models for such “performances.”

The photographers can, supposedly, earn about 20,000 to 30,000 yuan ($2,890-$4,335) per day and the models are well paid.

In this way, the “street snap performance” phenomenon is somewhat similar to another trend that especially became apparent in China around 2015-2016, namely that of ‘bystander videos’ capturing a public scene. Although these videos seem to be real, there are actually staged.

One such example happened in 2017 when a video went viral of a young woman being scolded on a Beijing subway for wearing a revealing cosplay outfit.

The story attracted much attention on social media at the time, with many netizens siding with the young woman and praising her for responding coolly although the woman was attacking her. Later, the whole scene turned out to be staged with the purpose of generating more attention for the ad of a “cool” food delivery platform behind the older lady.

In 2015, photos of a ‘romantic proposal’ made its rounds on social media when a young man asked his pregnant girlfriend to marry him using over 50 packs of diapers in the shape of a giant heart. One bag of diapers carried a diamond ring inside. It was later said the scene was sponsored by Libero Diapers.

 

Wanghong Economy

 

Both the latest street snap trend and the staged video trend are all part of China’s so-called “Wanghong economy.” Wǎnghóng (网红) is the Chinese term for internet celebrities, KOL (Key Opinion Leader) or ‘influencer.’ Influencer marketing is hot and booming in China: in 2018, the industry was estimated to be worth some $17.16 billion.

Being a wanghong is lucrative business: the more views, clicks, and fans one has, the more profit they can make through e-commerce and online advertising.

Using Chinese KOLs to boost brands can be an attractive option for advertisers, since their social media accounts have a huge fanbase. Prices vary on the amount of fans the ‘influencer’ has. In 2015, for example, the Chinese stylist Xiao P already charged RMB 76,000 ($11,060) for a one-time product mention on his Weibo account (36 million fans).

According to the “KOL budget Calculator” by marketing platform PARKLU, a single sponsored post on the Weibo account of a famous influencer will cost around RMB 60,000 ($8730).

The current staged street snap hype is interesting for various online media businesses in multiple ways. On short video app Douyin, for example, the hugely popular street snap videos come with a link that allows app users to purchase the exact same outfits as the girls in the videos.

Perhaps unsurprisingly, an online survey by Tencent found that 54% of college-age respondents had the ambition to become an “online celebrity.”

 

Making Non-Fashion Fashion: The Farm Field as a Catwalk

 

Although becoming an actual online celebrity used to be a far-fetched dream for many Chinese netizens, the latest staged-street-snap trend creates the possibility for people to experience their “15 minutes of fame” online.

Just as in previous online trends such as the Flaunt Your Wealth Challenge or A4 Waist Challenge, you see that many people soon participate in them, and that they are then followed by an “anti-movement” of people making fun of the trend or using it to promote a different social point-of-view.

The 2018 “Flaunt Your Wealth” challenge, for example, in which Chinese influencers shared pictures of themselves falling out of their cars with their expensive possessions all around them, was followed by an Anti-Flaunt Your Wealth movement, in which ordinary people mocked the challenge by showing themselves on the floor with their diplomas, military credentials, painting tools, or study books around them.

In case of the (staged) “Fashion Street Photography” movement, that now has over 103 million views on Weibo (#全国时尚街拍大赏# and #街拍艺术行为大赏#), you can also see that many people have started to mock it.

“I find [this trend] so embarrassing that I want to toss my phone away, yet I can’t help but watch it,” one Weibo user (@十一点半关手机) writes, with others agreeing, saying: “This is all so awkward, it just makes my skin crawl.”

The anti-trend answer to the staged street shoot hype now is that people are also pretending to be doing such a street snap, but ridiculing it by making over-the-top movements, doing it in ‘uncool’ places, wearing basic clothing, or setting up a funny situation (see embedded tweet below).

Some of these short videos show ‘models’ walking in a rural area, pretending to be photographed by a ‘street fashion photographer’ – it’s an anti-trend that’s become a trend in itself (see videos in embedded tweets below).

Although this ‘anti-trend’ is meant in a mocking way, it is sometimes also a form of self-expression for young people for whom the Sanlitun-wannabe-models life is an extravagant and sometimes unattainable one.

They don’t need trendy streets and Chanel bags to pretend to be models: even the farm field can be their catwalk.

In the end, the anti-trend “models” on Chinese social media are arguably much cooler than the influencers pretending to be photographed. Not only do they convey a sense of authenticity, they also have something else that matters the most in order to be truly cool and attractive: a sense of humor.

Also read: From Mountains of Taishan to Faces of Amsterdam – Interview with Street Photographer Jimmy on the Run

Also read: Beijing Close-Up: Photographer Tom Selmon Crosses the Borders of Gender in China

By Manya Koetse

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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