最近,一种新曝光的校园贷借款模式再次刺痛了公众的神经(touch raw nerves of the public)——"裸条"借贷(loans secured against nude photos/nude photos as loan guarantee)。据报道,"裸条"借贷就是以裸体照片替代借条(nude photos as IOUs),当发生违约不还款(default on their loans)时,放贷人(lender)以在网上公开裸照(publish the photos online)、与借款人(borrower)父母联系等手段作为要挟的贷款方式。
有律师表示,"裸条"借贷年利率(annual interest rate)高达30%,明显是高利贷(usury),属违规贷款。此外,裸照不是物权,不能作为抵押物(collateral)。第三方平台(third-party platform)若将他人裸照进行传播,等于侵犯了当事人的隐私权(privacy),当事人可以依法提起诉讼(file a lawsuit),也可以向公安机关报案(report to police)。
[相关词汇]
低门槛贷款 covenant-lite/cov-lite loan
贷款额度 loan amount
不良贷款 non-performing loan/NPL
讨债人 debt collector
借据 IOU/I owe you
个人对个人借贷 P2P (peer-to-peer) lending
超前消费 excessive consumption
5. 枪击事件
shooting
请看例句:
A man armed with an assault rifle killed 49 people at a packed gay nightclub in Orlando, Florida, on Sunday in the worst mass shooting in US history, which US President Barack Obama described as an act of terror and hate.
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