近来“裸条”借贷行为接连被媒体曝光,一些女大学生深陷其中,不仅透支了自己的未来,更连累了亲人,我们在哀其不幸,怒其不争的同时,也应注意到“裸条”借贷行为已经触犯了我国《刑法》的相关规定,本文将就“裸条”借贷行为所涉及的犯罪行为进行分析,以期用严厉的《刑法》来对此行为加以规制,同时呼吁社会为杜绝“裸贷”行为共同努力。 Recently “nude ” lending behavior has been exposed by the media after another, some female students are deeply trapped in them, not only overdraw their own future, but also even hurt their loved ones, we sadly misfortune, indignant at the same time, should also be noted “Nude” lending behavior has violated the relevant provisions of the “Criminal Law” in our country. This article will analyze the criminal activities involved in “nakedness” lending behavior with a view to using the severe “Criminal Law” to regulate this behavior At the same time, they called for the community to work together to put an end to the naked loans.