The move by Jianggan district court in the city of Hangzhou, Zhejiang province, is the latest tactic aimed at laolai a derogatory term for people who fail to repay debts as China develops its social credit scheme.
The adverts are generated through a WeChat mini-program an application smaller than 10 megabytes that can run instantly on the apps interface the court said in an article on its website last Monday.
It said the tailored advertisements can expose [debtors] efficiently and spread through social networks, so that the debtor can voluntarily take responsibility, and this can provide a good environment for gaining effective tips about the debts.
The article featured example advertisements with sample names and faces, bearing the heading Wanted Notice and stating underneath: mobilising social forces, participating in whistle-blowing.
One of the highest rewards in the real adverts 8.8 million yuan (US$1.2 million) is offered in relation to a woman named Zhu Lifeng, who is described as owing 177 million yuan, according to news portal Sina.com .
The advert says Zhu and her late husband, Zhou Fengjian, provided guarantees for companies when they took loans from banks, and when the firms went bankrupt they were responsible for repayment.
Many hailed the courts decision, saying that if debtors had refused for years to pay back money owed, they did not care about their reputation and should not complain about invasion of privacy.
In 2017, China launched a national system under which the name, photograph, ID number, home address and amount owed of someone accused of being in debt would be displayed in media including newspapers, internet, radio and television, as well as on screens in buses and public lifts. Those who failed to repay a bank loan were blacklisted.
In January, a WeChat laolai map was developed in north Chinas Hebei province. With a swipe of a finger, people can scan a radius of 500 metres (550 yards) from their location for any laolai, including individuals, company employees and other organisations. Users can share this information as WeChat Moments or directly with friends, and can report debtors themselves.