這周，一個名為 「借貸寶10G不雅照」的壓縮包在國內和國外引起轟動。
這個壓縮包裡有161位女性（主要是女大學生）為了借高利貸而抵押的裸照，自瀆視頻和極其詳細的個人信息。
人們一邊討伐這些女生 「不要臉沒腦子」，一邊如饑似渴地做伸手黨：「誰有資源？誰有種子？」，「臥槽竟然在裡面看見了熟人」。
據報導，10G「裸條」照片和視頻內容涉及161位女性，年齡段集中於17歲到23歲之間。最喪心病狂的是，放貸者鼓勵還不上欠款的「裸貸」女生「肉償」，一個96年的女生曾為2000元欠款「陪睡四晚」。
從學校來看，共計28人學校信息被洩露，師範學校和醫學高等專科學校成了「重災區」。從借條本身來看，多數人的借款金額在2000元到6000元之間，借款期限大多為數周，以短期應急借款為主。從利息來看，最高的為每周收取本金15%的利息，還有人2個月被收取本金100%的利息。
網友對於這個事件的看法也是五花八門。
很多網友完全沒法理解這些「裸貸」女生的腦迴路——
@幾何學家orz：搞不懂為什麼要這樣借錢？打工賺也好啊，借錢還是要還的。
@Darwin：10G門的女生邏輯在哪兒？不僅要給貸方10-20%的利息，還要給他們自己至關重要的身份信息(學信、一卡通、身份證)，還要給他們自己的裸照、私密照，自己換得了什麼呢？ 大四男生很困惑。
@林疼疼疼：我就是搞不懂了，借的也就幾千萬把塊錢，支付寶借唄不能借？去借高利貸還裸貸，能說活該麼。
@丶羅帥：這麼逼點錢也要裸貸，最後還不出還陪睡四晚。握草找我啊！一晚就夠給你借兩千
也有網友對這些女大學生的三觀和底線感到無語——
@角頭街街花：昨天新聞裡有播報這個新聞，有些剪輯的片斷，雖然打了馬賽克，但看了感覺真是顛覆三觀，有些女孩子拍得都不叫裸照了，拍得像是A片一樣。全裸著任人擺布，一直說不要拍臉，咋可能嘛，當時拍這個的時候都沒想過後果的嗎？想出裸貸的這種主意的能是好人嗎？就算還債了，你能保證他不會存底？
@-龘飍：很顯然你沒看過10G，裡面有他們借貸的聊天記錄，都是以前在別的平臺借過的，都有逾期記錄，除了這種借不到錢。年齡段最大的四十多，最小的99年
@HK_CC_BEST：是腦子問題。賺錢的方法有很多種，她的選了最懶的一種
@華穎：我大二的時候通過專業技能接活兒就已經能月入5000左右了…自己動手豐衣足食，何必還要做這種事情。 唉，能力跟不上欲望，進而絕望的…
還有些網友在替放貸者操心的……
@宇傳說：我奇怪的是，這個貸款模式真能盈利嗎？一個女孩肯把自己裸照發給別人，已經意味著其信用等級低到不能再低了，誰會放貸給這種人呢？五十一份的資源夠收回貸款成本嗎？拋開道德不談，僅僅商業上這玩意都無法理解。
@Te amo：回答剛剛有朋友問靠什麼收回成本 其實借出去的貸款有一半以上是收不回來了，或者說那些人借之前根本沒有想過要還！所以這行裡誕生了一條灰色產業鏈。 被借款人在借款時會告知借款人如果到時還不上可以通過肉體交易償還貸款，上家會幫你找好買春人員。通常買春人員支付的款項是大於貸款款項的 價格的高低取決於貸款人員的質量，通過招嫖的收入都比收回貸款高的多。
小編讀大學時也是經常會想買買買的人：想要把這幾件衣服都買了…想用最新的iphone啊，好想清空我的購物車啊，好想試試CPB的護膚品啊...
然鵝軟妹幣不夠，也就只有把這些放在購物車裡想想了。實在不會有借錢來買買買的想法。所以看到「裸貸」這條新聞，特別想知道這些女大學生究竟是遇到了什麼「天大」的難題，才會用裸照和不雅視頻去交換幾千來塊和萬把來塊錢呢？
然鵝，我在網上搜到的「裸貸」的原因，還是震碎了我的三觀。多數姑娘只是因為想要「買買買」，甚至是買一些超過同齡人消費能力的東西，從網貸平臺走到了「裸貸」。
在一篇題為「想不想知道『裸貸』換來的錢，這些姑娘都買了些什麼」的文章中，一位女記者和76位「裸貸」的QQ群裡的女生進行交流，獲得了下面幾個代表性的答案——
「大家一開始都是從花唄開始的咯。當時給我了五千塊額度，買東西又跟不花錢一樣，那一個月就把全部額度都花光了。我數數那段都買了什麼啊：一個日本的美容儀，幾件衣服，還有兩隻 suqqu 的眼影 —— 那陣在舞蹈社團嘛，加上眼影簡直敲好看現在都絕版了真的。到了9號要還花唄 —— 我每個月生活費就一千九真只夠吃吃喝喝用的，就從借唄借了現金還，借得多了點沒忍住又買了兩套衣服，然後再找別家借，加上花唄一還了錢額度又控制不住買……最後就打了裸條，拿著了四千多。
其實下狠心打裸條也是想終結那段時間瘋狂的買買買吧…….這兩天我也看到了不少人對借貸寶裸條門那個事的評論。我真的不是不要臉變相賣身，這些錢我是真想還。借了款之後我也有努力做兼職什麼的，可還是填不上這個坑 —— 最後沒辦法，騙父母說我想報一個舞蹈培訓班，拿著他們給的錢才勉強沒讓我自己的裸照也滿天飛—— 20歲，大二。」
「我必須得在畢業前整容。整容一定是會上癮的。剛開始我是在大二攢了好一陣錢做的雙眼皮，整個人氣質都不一樣了，然後墊了鼻子 —— 那次的錢就是找了家分期機構。但後來越看越覺得自己的臉太寬了，所以我必須得把下頜角做了。
下頜角跟雙眼皮鼻子不一樣是個大手術，需要全麻的好嗎。隨隨便便去找一家弄都得四五萬起，家裡也不支持，我一個學生黨怎麼攢得出這麼多錢。
各種借貸平臺借了個遍，最後還差幾千塊，找了兩家裸條。手術做完有一陣了，大概各種平臺還欠了四萬多 —— 拆東牆補西牆的，再加上申請分期啊手續費的，就高了點兒。儘量不逾期吧，但裸照公開不公開無所謂了。我借的那會兒就拍了兩張身份證裸照，也沒現在這些拍小視頻什麼的。反正照片上的我比現在難看多了，身份證照片也肯定得換—— 22歲，大四。」
「弄壞室友的電腦要賠，因為有借貸逾期歷史除了「裸條」 借不到錢 ——19歲，大一「
「沒什麼，就是雙十一買太多把一個學期的生活費都花光了 —— 20歲，大三」
看到這些回答，小編特別想說的是，現在社交媒體這麼發達，我們每天可以看到朋友圈、微博、 Instagram上的同齡人衣著光鮮，用著最新的電子產品，去著高檔餐廳，曬著滿世界旅遊的照片。
看多了這些，讓很多女生覺得你沒有用這個牌子的包，你沒去過這個餐廳，你沒出國旅遊過，你用不起大牌的護膚品化妝品，你就活得像個loser。
但是姑娘們，過力所能及的生活，就是值得尊敬的生活。
不要為了擁有與收入不成比例的物質，放棄你最珍貴的東西。
以下是Global Times (Metro Shanghai)近期刊登的一篇小評論，文末有投票喲，歡迎大家參與！
For female student debtors, dirty deeds done dirt cheap
The most sensational news in China this week, dubbed "Stupid-Girl.zip-Gate," is the 10-gigabyte file of nude photographs and videos of thousands of female Chinese university students that were leaked online and, as a result, shared across the world.
It was reported that the girls' explicit selfies, in which each of them was photographed holding their ID cards, were taken willingly and by themselves as collateral for monetary loans via online peer-to-peer lending platforms.
The money these girls borrowed ranged from 2,000 yuan ($290.74) to 6,000 yuan; the more money loaned, the more graphic the selfie needed to be. The platforms usually required the money to be paid back within one to four weeks at a weekly interest rate of 15 percent.
Once news of the X-rated loans made headlines, netizens debated who was more at fault. "Why are illegal loan businesses allowed to operate online? Such peer-to-peer lending platforms should be shut down," one Weibo user commented.
But most blamed the girls. "Why would any young woman ever agree to hand over masturbation videos to evil loan sharks?" a netizen lamented.
After reading all the media reports and online comments, the biggest question in my mind, as a fellow female, is why any woman would willingly offer their most private information to complete strangers just for a small amount of money? I wondered if each of them had some major life crises.
But what I found after further researching this bizarre calamity was that around 64 percent of the females who appeared in the file are university students. Most students are given a monthly allowance of around 1,500 yuan by their families, enough to cover basic campus living expenses.
But with materialistic, vainglorious Chinese society being what it is, many of these girls desired extra spending money for fashionable clothes and high-end cosmetics.
One girl told a reporter that she had borrowed tens of thousands of yuan just so that she could get plastic surgery. "After I fixed my face, even though the loan sharks exposed my nude pictures, no one can recognize me now," she said.
The popularization of social networking in China is also largely to blame. Almost all university-age Chinese today have a Weibo and WeChat account, and through these apps they are constantly informed and updated on the lifestyles of celebrities and their better-off peers.
After being barraged with an endless stream of selfies of other women wearing fancy clothes and using high-end products, it's inevitable that some impressionable schoolgirls would want to imitate these fancy lifestyles, even if it's beyond their consumption ability.
More importantly, sex-related content is so common nowadays that we as a society seem to have lost all shame and have become numb to nudity.
One perfect example is the new one-finger selfie challenge that encourages Chinese women to take nude pictures of themselves in the mirror while covering their private parts with just one finger.
After going viral on Weibo, last week the one-finger selfies were shared on Reddit, becoming China's all-time most voted post (which says a lot about the mentality and desires of Western men).
Likewise, the stupid-girl.zip file was also widely shared among local expats and foreign exchange students here.
Even if Chinese authorities were to delete all this pornography on Weibo and WeChat, once they are shared in the West it becomes an impossible task.
But then again, seeing as how so many Chinese females seem to actually desire this kind of fame and notoriety, such as those female Webcasters who earn hundreds of thousands of yuan every month simply by showing their cleavage, it becomes obvious that most are indifferent about revealing their bodies to the public.
I don't pity any of the students who had their nude photos leaked in the file. They were stupid, and quite vain, to participate in usurious loans just for a lifestyle that far exceeds their consumption abilities.
But hopefully this case will raise the public's awareness on the side effects that social media are having on China's younger generations.
原文/文案：Wang Han
圖：Chen Xia、網絡
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