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The agent also requested detailed personal information including the university of study, student number, and home address, but made no attempt to assess the reporter’s ability to pay back the loan.When the payment deadline passed, the lender threatened to send the nude photo to Li Li’s family.According to the Chinese Criminal Law, a person who 'produces, duplicates, publishes, sells or disseminates pornographic materials' shall be sentences to fixed-term imprisonment of no more than three years.Unable to pay back the amount owed, Li Li borrowed another loan through the platform at the same rate and from the same person. After owing 55,000 yuan and not knowing how to pay back, Li Li approached the lender for another loan.Screenshots of threatening debt collection messages. The lender was apprehensive because of the outstanding sum, and asked Li Li to provide a nude photo of her holding her identification card as collateral.