导读:本周一，《南方都市报》发布了一份报告，指出部分大学生用裸照作为抵押从某些平台借款。
The loans were accompanied by weekly interest rates as high as 30 percent and extra "commission fees" charged by the platforms. If the borrowers missed any repayments, the lenders would threaten to send the nude pictures, many of which included the borrowers’ ID cards, to their parents, according to the newspaper.
这些贷款每周的利率高达30%，并且这些平台还要收“额外的佣金”。据《南方都市报》的报道，一旦借款人遗漏了任何一项付款，贷款人就会威胁把这些裸照发给他们的父母（许多这些照片都含有贷款人的身份证）。
Platforms on campuses and mobile apps offering high-interest loans typically lure students with claims such as "no collateral," "no guarantee" and "loan granted on the day of application," according to an investigation by Xinhua reporters.
据新华社记者的调查显示，校园借贷平台和手机借贷软件一般用“无抵押”、“无保证”、“一经申请即刻放款”等声明来吸引学生。
"The process is simple, borrow up to 100,000 yuan [15,170 U.S. dollars]," one ad claimed.
一份广告称：“程序简单，最高可贷10万元（约合1.517万美元)。”
One of the victims told the newspaper that a lender had threatened to leak her naked pictures.
据一名受害者向《南方都市报》透露，一名贷款人曾威胁要公布她的裸照。
"Fortunately, my family paid the money," she said on condition of anonymity.
她不愿意透露姓名，说道：“幸运的是，我的家人帮我归还了这笔欠款。”
"The interest is very high," she said. "If you wanted to borrow 1,000 yuan, the weekly interest is 300 yuan, which means you have to owe 1,300 yuan within a week."
她说道：“利息非常高，如果你想借1000元，那么一周的利息就是300元，那就意味着在一周之内，你必须还款1300元。”
She added that the lender also charged a 200 yuan "commission fee."
她还补充说道，贷款人还要收取200元的“额外佣金”。
It is illegal to promote unauthorized loans on campus, according to a circular issued in April by the Ministry of Education. financial experts say an incomplete supervision system and college students’ lack of financial abilities allow the illegal businesses to pop up.
据教育部在四月份发布的一份通知表示，在校园里发放未经允许的贷款是违法行为。据金融专家表示，不完善的监管体系和大学生贫乏的理财能力将会导致这些非法业务滋生。
Xinhua reporters visited some colleges in China to find out about the high-interest campus loans.
新华社记者走访了国内的一些大学，希望能够寻找到一些校园高利贷的蛛丝马迹。
"If I want to buy a mobile phone, worth say 5,000 yuan, I can borrow from them. It is very convenient," said Zheng Shuang, a freshman at Harbin Huade University. "In fact, many of my classmates have borrowed money from lenders, too."
郑爽（音）是哈尔滨华德大学的新生，她说：“如果我想买一部5000块的手机的话，我能够从他们那里借到钱，这很方便。事实上，我有许多同学也从这些借款人手中借钱。”
Some ads even claim to lend money as long as the borrower takes a nude picture, Xinhua found.
新华社还发现，一些借款广告还声称，只要提供裸照就能够借到钱。
But behind the ads are exorbitant interest rates.
但是在这些广告背后是高昂的利率。
In March, a college student in Henan’s Zhengzhou City jumped to his death after defaulting on a 1 million yuan loan. Another student in the central province of Hubei borrowed 30,000 yuan in October last year, but owed more than 700,000 yuan after just two months.
今年三月份，河南郑州市一名大学生因拖欠了100万贷款而跳楼自杀。湖北省一名大学生去年十月借下了3万元的贷款，但是仅仅两个月后欠款的数额就变成了70多万。
Industry insiders say the phenomenon has to do with attitudes toward consumption.
据业内人士表示，这一现象和消费观念有关。
"College students’ concept of consumption is changing these days, with many living beyond their means," said Fu Jian, a lawyer with Yulong Lawyers’ Firm in the central Henan Province. "Most college students depend on their parents financially, which is why they turn to these high-interest loans."
苻坚（音)是河南省玉龙律师事务所的一名律师，他说道：“当今社会，大学生的消费观念正在改变，许多人都入不敷出。大多数大学生都在经济上依靠他们的父母，这也是为什么他们寻求高利贷的原因。”
Fu said that college students’ risk awareness is still low, making them susceptible to such traps.
苻坚说大学生的风险意识仍然很低，不能识破这些陷阱。
Another reason is the low threshold for establishing lending platforms in China, with some masquerading as e-commerce companies while secretly engaging in lending.
另一个原因是在中国成立借贷平台的门槛很低，一些人表明是电子商务公司，但是背地里干的却是贷款的勾当。
"A lack of supervision is also to blame," said Huang Xiaowu, a professor with Zhongnan university of Economics and Law. "There are no strict laws and regulations on campus loans currently, making management difficult."
中南财经政法大学教授黄晓武（音）表示说：“缺乏监管也难辞其咎。目前对于校园借贷缺少严格的法律法规，使得管理很困难。”
Fu Jian said the government should issue more specific laws and regulations targeting campus loans, and relative departments should better supervise the sector.
苻坚认为政府应该针对校园贷款颁布更多具体的法律法规，有关部门应该对这一块进行更好的监管。
"College students should realize that naked photos cannot be collateral, and if anyone leaks the photos, they should report to police," said Huang Xiaowu.
黄晓武说道：“大学生应该意识到裸照不能够成为贷款抵押，如果有人泄露了他们的裸照的话，他们就应该报警。”
They should also be aware of the risks associated with excessive consumption, said psychologist Yang Yongchao. "Colleges should make sure their students are more financially aware, through courses or training," he said.
心理学家杨永超（音）表示，大学生们还应该意识到过度消费所带来的风险。他说道：“通过课程和培训，大学应该确保学生们拥有更好的金融意识。”
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