网贷
释义 DEFINITION
网贷全称为网络贷款，指通过互联网平台完成借贷流程的金融服务。传统语境中泛指银行等机构的线上化服务，但在互联网语境下特指由第三方平台运营的民间小额借贷，尤其以P2P（点对点）模式为主。
目前主流用法包含两种场景：
1. 正规金融服务：如蚂蚁借呗、京东白条等合规产品
2. 高风险民间借贷：包含高利息、暴力催收等乱象的非法平台
2020年后由于行业整顿，网络讨论中超过80%的内容指向第二种负面含义，常与'套路贷'、'裸条'等社会事件关联。
词源故事 ETYMOLOGY
网贷的兴起可追溯到2013年，随着余额宝掀起的互联网金融热潮，大批P2P平台如雨后春笋般出现。初期宣传主打'金融创新''普惠金融'，最高峰时全国运营平台超过5000家。
转折点发生在2015年的e租宝事件：这个打着'A2P'旗号的平台非法集资500亿，涉及90万投资人，直接推动政府启动行业整顿。此后'校园裸条贷'等恶性事件频发——2016年福建某女大学生因借款5000元最终滚成50万债务，被迫拍摄裸照抵押，引发全民声讨。
2019年央视3·15晚会曝光'714高炮'（借款周期7-14天，年化利率超1500%的砍头息贷款），将网贷乱象推向舆论顶峰。网友创作了大量梗图，比如把凭本事借的钱为什么要还做成表情包，实则讽刺平台暴力催收。
2021年蚂蚁集团上市叫停后，网络流行语『借呗一时爽，还款火葬场』成为年轻人警示网贷风险的常用语。如今在知乎'负债者联盟'话题下，70%以上的案例与网贷过度消费有关。
例句：
'他沉迷网游充值，在十几个网贷平台以贷养贷，现在通讯录被爆，工作都丢了。'
DEFINITION
Online Loans, known as Wǎng Dài in Chinese, refers to digital lending services operated through internet platforms. While technically including legitimate services like Alibaba's Ant Credit Pay, the term now primarily carries negative connotations in public discourse.
Cultural context alert:
• The 2016 Ezubao scandal (China's largest Ponzi scheme involving $7.6B)
• Campus loan tragedies where students committed suicide due to harassment from loan sharks
• The term often implies APRs exceeding 1000% and unethical collection practices
Since 2020 government crackdowns, over 90% of P2P platforms have been shut down, making 'wangdai' a cultural shorthand for financial risks in China's tech boom era.
ETYMOLOGY
The rise of China's online lending phenomenon began with the 2013 Yu'ebao financial revolution. Dubbed 'China's Fintech Spring', over 5,000 P2P platforms emerged by 2015, promising 'democratized finance for the little guy'.
The turning point was the Ezubao scandal (2015-2016), a $7.6 billion Ponzi scheme disguised as peer-to-peer leasing. When it collapsed, 900,000 investors lost savings, triggering nationwide protests. This birthed the meme 'P2P = Prepare 2 Perish' on Chinese social media.
The 2016 student suicide cluster shocked the nation: a Fujian college girl took her life after a 5,000 yuan ($700) loan ballooned to 500,000 yuan ($70,000) with nude photos as collateral. This exposed the 'naked loans' underworld, where lenders demand intimate photos instead of credit checks.
During 2019 CCTV's Consumer Rights Day Gala exposed '714 Gaopao' loans - 7-14 day loans with 1500% APR and upfront 30% service fees. Netizens responded with dark humor memes like 'Borrow with skill, repay with cremation' mocking collection tactics.
Post-2020 government purge eliminated 90% of platforms. Now 'wangdai' symbolizes the dark side of China's tech boom, with Zhihu's 'Debtors Alliance' forum documenting tragic stories of gaming addicts borrowing from 20+ apps simultaneously.