戴上眼罩进门,做完手术又戴着眼罩离开,晓雯(化名)至今都不知道在长沙哪个别墅捐的卵。只记得躺在手术台上,冰凉的钢针,手臂般长,刺穿阴道、卵巢。先是像平常打针那样刺痛一下,之后是坠胀疼,不知被取走多少个卵子,疼得汗浸透了衣背。

Wearing an eye mask into the door, after surgery and wearing an eye mask to leave, Xiaowen (alias) still do not know which villa in Changsha donated eggs. Just remember to lie on the operating table, cold steel needle, arms as long, piercing vagina, ovary. First it hurts like a normal injection, then it hurts, and I don't know how many eggs I've been removed.

一时冲动消费带来身体永久的伤痛。然而,这种代价并没让晓雯还清欠下的5万多元贷款。今年6月从长沙一所高校毕业的她,临毕业前被迫打了裸条,至今仍欠着网贷。

Impulse consumption brings permanent physical pain. However, this price did not let Xiaowen pay off the loan owed more than 50,000 yuan. She graduated from a Changsha university in June this year, before graduation was forced to play naked, still owe net loan.

也想通过捐卵还贷的赵萌(化名)曾在捐卵机构见过不少同龄女孩。捐卵机构负责人告诉她,“大部分女生都是欠了贷款才来做的。”

Zhao Meng (alias), who also wants to repay the loan through egg donation, has seen many girls of his age in egg donation agencies. The head of the egg donor told her that \"most of the girls are owed a loan to do it.\"

手术进行了半麻,“麻药从肛门塞进去,我当时还找医生多要了两颗栓剂(麻醉用)。”晓雯记得,取卵过程很短,不到15分钟,“疼”。

The operation was carried out with half anesthesia.\" The anesthesia was inserted from the anus and I was looking for two more suppositories.\" Xiaowen remembers that the egg extraction process is very short, less than 15 minutes,\" pain \".

晓雯第一次从网贷平台借到2000元,再经过几家网贷平台和私人借条周转之后,欠款累计到5万多元。2018年4月,大三下学期,晓雯备战考研,想彻底还清贷款。想起在网上看过介绍捐卵还清贷款的文章,她私信了作者。很快,对方推给她一个中介微信。

Xiaowen borrowed 2000 yuan from the net loan platform for the first time, and after several net loan platforms and private loan slip turnover, the arrears accumulated to more than 50,000 yuan. April 2018, junior next semester, Xiaowen prepare for the postgraduate examination, want to pay off the loan completely. Thinking of reading about the article on the Internet about egg donation and repayment of the loan, she sent a private letter to the author. Soon, the other side pushed her an intermediary WeChat.

加了中介微信后,晓雯按要求发送了照片和身高、体重、学历、血型等信息。中介告诉她,“医学生殖中心”会给不孕不育客户提供捐卵者资料,客户挑中后会线下见面“考察”。

After adding intermediary WeChat, Xiaowen sent photos and information of height, weight, education, blood type and so on as required. The agency told her that the \"medical student colony center\" will provide information for infertile clients who donate eggs, and customers will meet offline after picking up \"inspection \".

月经期第二天,晓雯飞去捐卵机构所在地广州体检,体检合格后开始打促排卵的针,一连打10天。吃住都在酒店里,每天餐补60元,还被要求加鸡蛋牛奶。不过,晓雯打针后,卵泡发育不理想。2018年下半年到2019年初,她连续三次前往广州打针促卵,又飞去上海进行第四次尝试,都没合格。

On the second day of menstrual period, xiaowen fly to the site of egg donation institutions guangzhou physical examination, after the medical examination began to promote ovulation needle,10 days in a row. Food and accommodation are in the hotel, daily meal supplement of 60 yuan, but also asked to add egg milk. However, after Xiaowen injection, follicle development is not ideal. From the second half of 2018 to the beginning of 2019, she went to Guangzhou for three consecutive injections to promote eggs, and flew to Shanghai for her fourth try, all unqualified.

2019年4月,毕业在即,晓雯等不了,与中介商量后改成盲捐。盲捐不与客户对接,无需面试与挑选,但报酬不高。第五次,在长沙,晓雯被带到一处别墅。中介安排司机接送,上车后给她戴上眼罩,禁止带手机。盲捐完成后,她到手2万元。

In April 2019, graduation is imminent, Xiaowen cannot wait, after consulting with the intermediary into blind donation. Blind donation does not docking with customers, no interview and selection, but the pay is not high. The fifth time, in Changsha, Xiaowen was taken to a villa. The intermediary arranges the driver to pick up, after boarding, puts on the eye mask to her, forbids to bring the mobile phone. After the blind donation, she got 20,000 yuan.

“不到万不得已,我不会那么做。”捐卵同样被昆明大四学生赵萌视为救命稻草。“我是学医的,知道捐卵伤害有多大,根本不可能像网上说的取几颗卵子那么简单。”

I won't do it until I have to. Egg donation is also regarded as a life-saving straw by kunming senior zhao meng. \"I'm a doctor, and knowing how bad it is to donate an egg isn't as simple as a few eggs.

赵萌是护理专业学生,了解捐卵危害:促卵针可能引发卵巢过度刺激综合征,取卵手术的穿刺针会在卵巢上留下创口,可能导致感染,引发多种并发症,出现积水、休克,还可能导致不孕,甚至死亡。

Zhao Meng is a nursing student, understand the harm of egg donation: egg promotion needle may cause ovarian hyperstimulation syndrome, the puncture needle of egg removal surgery will leave a wound on the ovary, may lead to infection, cause a variety of complications, water, shock, may also lead to infertility, or even death.

临近还款日,催债信息一直不停,手机只能调成静音,“每震一下,心特别慌。”“如果回复信息晚了,对方电话立刻打过来,不听你说什么,直接开骂,两三分钟都停不下来。如果不理或不接,就威胁爆通讯录。”

Near the repayment day, the debt information has been constantly, the phone can only be muted,\" every shock, especially panic.\" \"If you reply to the message late, the other phone call immediately, do not listen to what you say, directly open scolding, two or three minutes cannot stop. If you ignore it or don't answer it, you threaten to explode your address book.

赵萌前往上海一家中介机构,对方称愿付3万多元酬金。“先做检查,结果身体不太好,捐不了卵。”在捐卵机构租住的公寓里,赵萌看到,一屋子都是年轻女孩。“从打扮、年龄看,跟我差不多。”捐卵机构负责人告诉她,“大部分女生都是欠了贷款才来做的。”

Zhao Meng went to an agency in Shanghai and said he was willing to pay more than 30,000 yuan. \"The first examination, the result is not very good, cannot donate eggs. In the apartment rented by the egg donation agency, Zhao Meng saw that the room was full of young girls. It's about the same age as I am. The head of the egg donor told her that \"most of the girls are owed a loan to do it.\"

北京朝阳医院生殖医学中心医生马帅表示,市场上所谓“捐卵”是违法的,国家禁止卵子买卖。2003年卫生部修订《人类辅助生殖技术规范》指出,禁止任何组织和个人以任何形式募集供卵者进行商业化的供卵行为。

Beijing Chaoyang Hospital Reproductive Medicine Center doctor Ma Shuai said that the market so-called \"egg donation\" is illegal, the state banned the sale of eggs. In 2003, the Ministry of Health revised the Human Assisted Reproductive Technical Specification, which states that any organization or individual who raises an egg in any form is prohibited from commercializing the supply of eggs.

“非法取卵只追求卵子数量,而忽略捐卵对女生身体健康的影响。”马帅指出,除了在安全上面临高风险,“很多伦理方面风险也需要引起重视。这些卵子卖给不同的人,生出来的男孩女孩再相遇,有可能出现近亲结婚等情况。此外,若没有对捐卵者进行严格的遗传病筛查,捐卵将可能扩大遗传病的遗传范围。”

\"Illegal egg harvesting seeks only the number of eggs, ignoring the effects of egg donation on the health of girls. In addition to facing high safety risks,\" many ethical risks need to be taken seriously,\" ma said. These eggs are sold to different people, and the boys and girls born out meet again, and there may be cases of close relatives getting married and so on. Furthermore, without rigorous screening for genetic diseases, egg donation may widen the genetic spectrum of genetic diseases.

经人介绍,她去长沙某大医院给高血压药做试药,经历了体检等流程,一个月后到手4000元。不过,为医院试药的周期太长了,晓雯急着用钱,等不起。

After being introduced, she went to a large hospital in Changsha to do a test for hypertension medicine, went through the process of physical examination, a month later to get 4000 yuan. However, for the hospital drug test cycle is too long, Xiaowen rushed to use money, cannot wait.

她去借“714高炮”和私人借条周转。“714”是期限7天和14天的高利息贷款,常包含高额“砍头息”和高额“逾期费”。晓雯借8000元,到手只有5000多。

She went to borrow \"714 anti-aircraft guns \"and private loan slips. \"714\" is a high-interest loan with a maturity of seven days and 14 days, often including high \"cut-off interest\" and high \"overdue fees \". Xiaowen borrowed 8000 yuan to get only more than 5000.

晓雯回忆,见面后,放贷人立刻用手机助手同步了她的通讯录,如果违约不还钱,就威胁“爆”通讯录,即给通讯录上所有人打电话、发短信,逼借贷人还钱。晓雯表示,私人借条利息涨得特别快,一个月下来,几千元借款累积滚到三四万。

Xiaowen recalled that after the meeting, the lender immediately used a mobile phone assistant to synchronize her address book, if the default did not pay back, threatened to \"explode\" the address book, that is, to call everyone on the address book, text messages, forced lenders to pay back money. Mr xiaowen said interest on private debits rose particularly fast, with thousands of dollars accumulating to 30,40,000 a month.

赵萌对此深有体会。还款压力最大时,她同时找了20个放贷人借钱周转。“我借一万元,到手只有7000元,放贷人说那3000元是利息,一个月后要还一万,而合同上借款金额写的却是两万。”

Zhao Meng has a deep understanding of this. At the height of the repayment pressure, she also looked for 20 lenders to borrow money. \"I borrowed 10,000 yuan, only 7,000 yuan, the lender said that 3000 yuan is interest, a month later to pay back 10,000, but the contract amount is 20,000.

放贷人告诉赵萌,如果不违约,实收一万;如果违约,借条则变成两万。“我想我应该不会违约,最后,太高估了自己。”逾期的赵萌被软禁在放贷人公司一宿,在答应求父母出面还钱后才被放行。

Lenders tell mr zhao that if he doesn't default, he will receive ten thousand; if he does, the debit slip will become twenty thousand. \"I don't think I'm going to default and, in the end, overestimate myself. Late mr. zhao was placed under house arrest at a lender's company overnight before being released after promising to ask his parents to return the money.

毕业前,经同学介绍,晓雯打了裸条。裸条也叫裸贷,借款人用手持身份证的裸体照片替代借条。如果违约,放贷人以公开裸体照片或与借款人父母联系等手段要挟,逼迫借款人或其家人还款。

Before graduation, after the introduction of students, Xiaowen made a naked strip. Naked strips are also called Naked Loans, and borrowers replace them with nude photos of their identity cards. In case of default, lenders threaten borrowers or their families with naked photos or contact with their parents.

“怪当初我冲动消费”,晓雯说,“后悔,但后悔没用。”目前,还剩一万余元借款尚未结清。对她而言,这是一颗定时炸弹。

\"Strange that I had the impulse to consume,\" Xiaowen said,\" regret, but regret is useless.\" At present, there are still more than 10,000 yuan of loans outstanding. For her, it's a time bomb.

2016年12月底,晓雯不慎丢失手机,随后花7000元买了一部苹果手机,手头开始拮据。由于家教严,晓雯没告诉父母。有朋友推荐试试“分期乐”,“专门针对学生的,利率低。”晓雯记得,“申请后有人来学校面签,App里有学信网认证接口,让我登录后就通过了认证。”

At the end of december 2016, xiaowen inadvertently lost her phone, and then spent 7000 yuan to buy an apple phone, began to cash tight. Because of strict family education, Xiaowen did not tell his parents. Some friends recommend \"staging music \",\" specifically for students, low interest rates. \"Xiaowen remember,\" after the application someone came to the school to sign, App has the authentication interface, let me login after passed the authentication. \".

天眼查显示,“分期乐”在2013年成立于深圳。12月上旬,记者下载其安卓版App时发现,该软件230条评论中,有不少“骗人”“利息高”等字眼。“分期乐”App首页显示为“专注于年轻人分期购物App”,提供分期贷款和还款服务。

Sky-eye checks showed that \"stage music\" was founded in shenzhen in 2013. When reporters downloaded its android app in early december, they found that 230 comments on the software contained words such as \"deceptive\" and \"high interest rates \". The \"staging\" App front page shows \"focusing on young people's staging shopping App \", offering installment loans and repayment services.

今年5月6日,新华社《禁令之下,校园贷披马甲依然横行》一文,公开批评乐信旗下平台“分期乐”违规向在校大学生发放贷款的事例。

On may 6 this year, xinhua's \"ban, the campus loan vest is still rampant\" article, publicly criticized the lexin's platform \"stage music\" violation of loans to college students.

第一次借的2000元,晓雯选择分三期还。大二恋爱后,开销越来越大,借钱频率也明显增多。借着借着这家额度没了,晓雯就换另一家平台注册、借钱,还上一家借款。连换几家网贷平台之后,再也借不出一分钱来,所有平台都拒绝再借钱。

The first loan of 2000 yuan, Xiaowen choose to return in three phases. Sophomore love, spending more and more, the frequency of borrowing money also increased significantly. Take advantage of this quota lost, Xiaowen on another platform to register, borrow money, also on a loan. Even after changing a few net loan platform, can no longer borrow a penny, all platforms refuse to borrow money again.

晓雯因为一部手机掉进网贷的坑,而赵萌则是因为一张健身卡,也经历过“拆东墙补西墙”,到最后所有平台都借不出钱。大一时,赵萌想减肥,打算找朋友借钱办一张1000元健身卡。比她大一届的朋友是网贷平台“爱又米”的代理,推荐她下载“爱又米”App,分期还款。

Xiaowen because a mobile phone fell into the net loan pit, and Zhao Meng is because of a fitness card, also experienced the \"east wall to repair the west wall \", to the end of all platforms cannot borrow money. In his freshman year, Zhao Meng wanted to lose weight and was going to find a friend to borrow money to do a 1000 yuan fitness card. Her older friend is the network loan platform \"love rice\" agent, recommended that she download \"love rice\" App, installment repayment.

1000元的借款,赵萌分期12个月,一个月还款200多。“想得太简单,当时觉得分期后还款并不多。”北京中闻律师事务所宋晓旭指出,这明显超过正规校园贷的利息了。

A loan of 1,000 yuan, Zhao Meng phased 12 months, a monthly repayment of more than 200. \"It's too easy to think, but I didn't think there was much to pay in installments. Song xiaoxu, a beijing-based law firm, points out that this significantly exceeds interest on regular campus loans.

据官网介绍,“爱又米”是爱财科技集团旗下品牌。记者用“爱又米”为关键词在黑猫投诉平台上搜索,结果显示335条。浏览投诉内容发现,“高利贷”“砍头息”等是高频词。

According to the official website,\" love rice \"is aicai technology group under the brand. Reporters with \"love rice\" as the key word in the black cat complaint platform search, the results show 335. Browse the content of complaints found that \"usury \",\" beheading interest\" and so on are high-frequency words.

12月初,记者下载“爱又米”App,很快接到来自杭州的电话。对方自称为“爱又米”客服。记者以在校大学生身份询问“能不能通过平台审核?”“客服”称,平台不允许向未毕业学生放款,“但一般来说毕业信息不作为一个重要的考评依据”。“客服”建议记者,当平台要求更新毕业信息时,“把毕业时间更改一下。只要不写在2019年7月之后毕业,就可以(取现)。”

In early december, reporters downloaded the \"love rice\" app and soon received a phone call from hangzhou. The other side calls itself \"love and rice\" customer service. Reporter as a college student asked \"can you pass the platform audit?\" \"Customer service\" said that the platform does not allow loans to non-graduate students,\" but generally graduation information is not an important basis for evaluation. \"Customer Service\" suggests reporters, when the platform requests to update graduation information,\" change the graduation time. As long as it is not written to graduate after July 2019, it can (cash).

当时为何所有网贷平台突然停止放款?晓雯解释说,这说明个人征信“花了”。每办理一次贷款,网贷平台都会查询一次个人征信报告,如果查询记录过多,就叫征信“花了”。网贷平台据此认为借款人经济紧张,从而拒绝借款申请。

Why did all the net loan platforms suddenly stop lending? Xiaowen explained that this shows that personal credit \"spent.\" Every time a loan, the network loan platform will inquire a personal credit report, if the inquiry record too much, it is called credit \"spent \". Net loan platform according to this thinks borrower economy is tight, thus refuse to borrow an application.

此刻摆在借贷人面前通常有两条路,一是向父母坦白,靠他们“上岸”,二是找私人借贷,能拖一天是一天,企图靠兼职等翻身。

There are usually two ways in front of borrowers at the moment, one is to confess to their parents, rely on them to \"go ashore \", the other is to find private loans, can drag a day is a day, trying to rely on part-time and so on to turn over.

“在高利贷眼中,学生没钱不要紧,年轻的肉体本身就是钱。”知乎大V“半佛仙人”在杭州从事风控管理,因与不少网贷平台有业务往来,他得以一睹非法校园贷的套路和现状。“受害者普遍共性是虚荣和单纯。”

\"In the eyes of usury, it doesn't matter if a student doesn't have money. \"Know big V\" half Buddha Xianren \"is engaged in wind control management in Hangzhou, because with many net loan platform has the business contact, he can see the illegal campus loan routine and the present situation. \"The common denominator of victims is vanity and simplicity. \".

2019年9月,捐卵未遂的赵萌,欠款加利息累计到30多万,最终被“爆”了通讯录。闻讯赶来的父母对她打骂过后,拿出所有积蓄并借了银行贷款,才助她还清贷款。

In September 2019, Zhao Meng, who had attempted to donate his eggs, accumulated more than 300,000 in arrears plus interest, and was eventually \"blasted\" the address book. After hearing the news, her parents scolded her, took out all their savings and borrowed a bank loan to help her pay off the loan.

采访中,记者感受到晓雯对未来非常恐惧不安:不知道自己的裸照哪一天就会被公开在网络上,不知试药有无后遗症,不知取卵手术会不会影响生育,更不知捐出的那些卵子变成多少个生命,将来会不会存在近亲结婚等伦理风险……

In the interview, the reporter felt that Xiao Wen was very afraid of the future: do not know which day his naked photo will be made public on the Internet, do not know whether the test drug has sequelae, do not know whether the egg removal surgery will affect fertility, and do not know how many donated eggs into life, there will be a close relative marriage and other ethical risks in the future.

晓雯的境遇给出警示,大学生要克制冲动,理性消费。此外,除了嗜血的非法贷款机构,那些非法取卵机构也是帮凶,亟需监管重视。

Xiaowen's situation gives a warning, college students should restrain impulse, rational consumption. Besides bloodthirsty illegal lenders, illegal egg-laying agencies are also accomplices and need urgent regulatory attention.


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