“裸贷”现象屡禁不止,尤其是最近女大学生“裸贷”视频在网上的广泛传播,使得“裸贷”重新进入公众视野,本文将在法律视角下,从“裸贷”本身的违法性及后续传播的违法性等方面,论述“裸贷”现象的违法性及其解决方式。 The phenomenon of “naked loans ” has been repeatedly banned, especially the recent spread of female college students “naked loans ” video on the Internet, making “naked loans ” re-enter the public field of vision, this article will be from a legal perspective, from Loan “itself and the subsequent dissemination of illegality and other aspects, ” naked loan "phenomenon of the illegal and its solution.