The Chinese culture is different, taking naked selfies and sending them to someone doesn't happen very often. However when it does it's for very different reasons, loan collateral.
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Many Chinese university students were found to have used their nude pictures as IOUs on some online lending platforms, putting themselves at the risks of having everybody – including their parents – see them naked.
Such risky methods of IOU is found usable on several online lending platforms, but it is usually more often accepted within the QQ group chats connected to such platforms. Borrowers are also required to upload pictures of their ID cards and report their family information, including their address and cell phone numbers.
Once a clear photo of a naked borrower holding his or her ID card is uploaded to lenders, he or she can get up to 15,000 yuan ($2,277) credit with a maximum of 36 month installments, the Nandu Daily reported.
The credit varies based on the borrower’s education background. Usually an undergraduate student can receive 15,000 yuan in credit, while those studying at famous universities as well as doctorate students can receive even larger loans.
What comes with the seemingly easy business transaction is costly overdue repayment.
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Sounds like a fun business to be in, they must have quite a collection.